Headquartered in Sac City, Iowa, Iowa State Bank is a state-chartered bank with $213.3M in total assets and $187.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1926.
Iowa State Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 178th. Funding & liquidity contributes the most (80/100, 80% loans-to-deposits, 12% uninsured); loan quality contributes the least (39/100, 1.84%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 16 points (80 → 64), mostly because the loan quality component weakened by 54 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 75 |
| Q2 2025 | 80 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 70 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.12% |
| Q3 2024 | 11.28% |
| Q4 2024 | 11.36% |
| Q1 2025 | 11.35% |
| Q2 2025 | 11.50% |
| Q3 2025 | 11.79% |
| Q4 2025 | 11.76% |
| Q1 2026 | 11.63% |
| Q2 2026 | 11.53% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.20% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.84% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.38% |
| Q1 2025 | 1.42% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.75% |
| Q4 2025 | 1.75% |
| Q1 2026 | 1.66% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $213.3M | 11.53% | 1.84% | 1.47% | 80.4% |
| Q1 2026 | 70 | $217.8M | 11.63% | 1.37% | 1.66% | 82.0% |
| Q4 2025 | 81 | $204.6M | 11.76% | 0.20% | 1.75% | 91.0% |
| Q3 2025 | 82 | $200.4M | 11.79% | 0.22% | 1.75% | 90.9% |
| Q2 2025 | 80 | $198.3M | 11.50% | 0.21% | 1.65% | 90.9% |
| Q1 2025 | 75 | $202.2M | 11.35% | 0.63% | 1.42% | 87.0% |
| Q4 2024 | 73 | $196.0M | 11.36% | 0.63% | 1.38% | 92.8% |
| Q3 2024 | 72 | $195.8M | 11.28% | 0.72% | 1.37% | 92.1% |
| Q2 2024 | 69 | $196.6M | 11.12% | 1.03% | 1.35% | 90.4% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Savings Bank & TrustBank Traer, IA | 81 out of 100, Strong | $212.7M | 10.3% | 0.00% | vs |
| Farmers Savings BankBank Fostoria, IA | 46 out of 100, Below average | $215.3M | 12.6% | 3.48% | vs |
| Iowa Trust and Savings BankBank Centerville, IA | 91 out of 100, Very strong | $210.6M | 13.5% | 0.01% | vs |
| BankBank Wapello, IA | 60 out of 100, Moderate | $217.4M | 8.7% | 0.78% | vs |
| Farmers & Merchants Bank & TrustBank Burlington, IA | 60 out of 100, Moderate | $208.2M | 10.7% | 1.66% | vs |
| State Savings BankBank Bedford, IA | 70 out of 100, Strong | $207.2M | 10.0% | 0.72% | vs |
Deposit insurance
Is my money safe at Iowa State Bank?
Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #10497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.1% of deposits ($22.7M) 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 11.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Iowa State Bank lists 3 offices in 3 cities. Most locations:
- Lake View, IA (1)
- Odebolt, IA (1)
- Sac City, IA (1)
Identity & history
Profile
- Legal name
- Iowa State Bank
- Former names
- Sac City State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10497
- RSSD ID
- 298049
- Primary regulator
- FDIC
- Holding company
- Sac City Ltd
- Established
- March 29, 1926
- Headquarters
- 500 Audubon St, Sac City, IA 50583
- Website
- www.myisb.bank
- Employees
- 25
Quick answers
Iowa State Bank: common questions
Is Iowa State Bank FDIC insured?
Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #10497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Iowa State Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Iowa State Bank ever failed?
There is no failure record for FDIC certificate #10497 in the FDIC failed bank list.
How many branches does Iowa State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sac City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens First National Bank of Storm LakeBank Storm Lake, IA | 99 out of 100, Very strong | $256.5M | 15.9% | 0.03% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| Breda Savings BankBank Breda, IA | 82 out of 100, Strong | $106.0M | 10.9% | 0.00% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |