TellerScore

Iowa Falls State Bank (FDIC certificate #15311) is based in Iowa Falls, Iowa. Its Q2 2026 call report shows $201.5M in total assets and $162.8M in deposits and 2 offices.

Iowa Falls State Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 126th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (36/100, 8.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.64%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings67/100
Return on assets (annualized): 1.19%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 59.9% · 20.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202466
Q1 202576
Q2 202572
Q3 202572
Q4 202570
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%6.98%8.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.36%
Q3 20248.34%
Q4 20248.45%
Q1 20258.80%
Q2 20258.82%
Q3 20258.97%
Q4 20258.78%
Q1 20268.26%
Q2 20268.64%
Noncurrent loans
0.25%0.43%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.61%
Q3 20240.51%
Q4 20240.51%
Q1 20250.49%
Q2 20250.45%
Q3 20250.34%
Q4 20250.34%
Q1 20260.27%
Q2 20260.25%
Return on assets
0.77%1.35%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.82%
Q4 20240.89%
Q1 20251.92%
Q2 20251.48%
Q3 20251.29%
Q4 20251.21%
Q1 20261.19%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$201.5M8.64%0.25%1.19%59.9%
Q1 202670$204.2M8.26%0.27%1.19%62.9%
Q4 202570$202.3M8.78%0.34%1.21%61.3%
Q3 202572$202.8M8.97%0.34%1.29%63.7%
Q2 202572$192.6M8.82%0.45%1.48%60.5%
Q1 202576$192.9M8.80%0.49%1.92%59.0%
Q4 202466$184.3M8.45%0.51%0.89%62.2%
Q3 202465$183.8M8.34%0.51%0.82%61.0%
Q2 202464$180.3M8.36%0.61%0.77%61.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.64%
8th
Total risk-based capital13.19%
58th
Problem loans0.25%
61st
Net charge-offs0.05%
28th
Return on assets1.19%
46th
Net interest margin4.14%
62nd
Efficiency ratio52.1%
79th
Loans to deposits59.9%
83rd
Uninsured deposits20.6%
62nd
Loan-loss reserves1.08%
36th
Texas ratio0.8%
73rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Keystone Savings BankBank Marengo, IA60 out of 100, Moderate$200.8M11.3%1.44%vs
Houghton State BankBank Red Oak, IA69 out of 100, Moderate$204.8M15.4%2.58%vs
State Bank & Trust Co.Bank Nevada, IA70 out of 100, Strong$197.6M11.0%1.30%vs
Chelsea Savings BankBank Belle Plaine, IA93 out of 100, Very strong$196.9M16.0%0.24%vs
State Savings BankBank Bedford, IA70 out of 100, Strong$207.2M10.0%0.72%vs
Mount Vernon Bank and Trust CompanyBank Mount Vernon, IA82 out of 100, Strong$195.5M13.0%0.21%vs

Deposit insurance

Is my money safe at Iowa Falls State Bank?

Yes. Iowa Falls State Bank is an FDIC-insured institution (FDIC certificate #15311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.6% of deposits ($33.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.19% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Iowa Falls State Bank lists 2 offices in 2 cities. Most locations:

  • Iowa Falls, IA (1)
  • Williams, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Iowa Falls State Bank
Type
State-chartered bank
FDIC certificate #
15311
RSSD ID
989141
Primary regulator
FDIC
Holding company
FSB Financial Services Inc
Established
January 1, 1933
Headquarters
601 Washington Ave, Iowa Falls, IA 50126
Employees
30

Quick answers

Iowa Falls State Bank: common questions

Is Iowa Falls State Bank FDIC insured?

Yes. Iowa Falls State Bank is an FDIC-insured institution (FDIC certificate #15311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Iowa Falls State Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Iowa Falls State Bank ever failed?

There is no failure record for FDIC certificate #15311 in the FDIC failed bank list.

How many branches does Iowa Falls State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Iowa Falls

InstitutionScoreAssetsCapitalProblem loansCompare
United Bank and Trust CompanyBank Hampton, IA97 out of 100, Very strong$228.4M14.8%0.00%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
First Bank HamptonBank Hampton, IA74 out of 100, Strong$240.9M11.6%0.65%vs
Green Belt Bank & TrustBank Iowa Falls, IA71 out of 100, Strong$758.7M9.2%0.04%vs
First Security Bank and Trust CompanyBank Charles City, IA68 out of 100, Moderate$538.2M10.0%0.27%vs