Iowa State Bank is a state-chartered bank (fed member) headquartered in Hull, Iowa, in business for about 147 years. At the end of Q2 2026 it reported $1.3B in total assets and $873.0M in deposits, with 14 offices.
Iowa State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 69th. Problem-loan coverage contributes the most (99/100, 0.4%); funding & liquidity contributes the least (47/100, 102% loans-to-deposits, 24% uninsured).
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 rose 15 points (63 → 78), mostly because the loan quality component improved by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 42 |
| Q4 2024 | 46 |
| Q1 2025 | 47 |
| Q2 2025 | 63 |
| Q3 2025 | 71 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.34% |
| Q3 2024 | 10.41% |
| Q4 2024 | 10.69% |
| Q1 2025 | 10.89% |
| Q2 2025 | 11.24% |
| Q3 2025 | 10.94% |
| Q4 2025 | 11.14% |
| Q1 2026 | 11.38% |
| Q2 2026 | 11.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 3.04% |
| Q4 2024 | 2.72% |
| Q1 2025 | 4.39% |
| Q2 2025 | 1.52% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.24% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.40% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.49% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $1.3B | 11.72% | 0.06% | 1.60% | 102.4% |
| Q1 2026 | 76 | $1.2B | 11.38% | 0.26% | 1.49% | 96.8% |
| Q4 2025 | 76 | $1.3B | 11.14% | 0.26% | 1.50% | 94.4% |
| Q3 2025 | 71 | $1.3B | 10.94% | 0.59% | 1.40% | 98.7% |
| Q2 2025 | 63 | $1.2B | 11.24% | 1.52% | 1.37% | 95.3% |
| Q1 2025 | 47 | $1.2B | 10.89% | 4.39% | 1.29% | 86.0% |
| Q4 2024 | 46 | $1.2B | 10.69% | 2.72% | 1.22% | 88.4% |
| Q3 2024 | 42 | $1.2B | 10.41% | 3.04% | 1.24% | 95.3% |
| Q2 2024 | 67 | $1.2B | 10.34% | 0.52% | 1.31% | 93.3% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Peoples BankBank Rock Valley, IA | 69 out of 100, Moderate | $1.3B | 10.7% | 0.85% | vs |
| Pilot Grove Savings BankBank Pilot Grove, IA | 74 out of 100, Strong | $1.2B | 8.8% | 0.13% | vs |
| Capra BankBank Dubuque, IA | 68 out of 100, Moderate | $1.3B | 8.9% | 0.00% | vs |
| Bank MidwestBank Spirit Lake, IA | 69 out of 100, Moderate | $1.3B | 10.2% | 0.42% | vs |
| Farmers State BankBank Marion, IA | 91 out of 100, Very strong | $1.1B | 14.4% | 0.21% | vs |
| First National Bank, Ames, IowaBank Ames, IA | 60 out of 100, Moderate | $1.1B | 9.9% | 1.41% | vs |
Deposit insurance
Is my money safe at Iowa State Bank?
Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #13953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.4% of deposits ($212.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.72%, 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%).
14 locations
Branches
Iowa State Bank lists 14 offices in 14 cities. Most locations:
- Brunsville, IA (1)
- Hinton, IA (1)
- Holstein, IA (1)
- Hull, IA (1)
- Ireton, IA (1)
- Le Mars, IA (1)
- Melvin, IA (1)
- Merrill, IA (1)
- Orange City, IA (1)
- Paullina, IA (1)
- Remsen, IA (1)
- Sanborn, IA (1)
Identity & history
Profile
- Legal name
- Iowa State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13953
- RSSD ID
- 982348
- Primary regulator
- FED
- Holding company
- Vogel Bancshares Inc
- Established
- January 1, 1879
- Headquarters
- 1101 Main St, Hull, IA 51239
- Website
- www.iowastate.bank
- Employees
- 109
Quick answers
Iowa State Bank: common questions
Is Iowa State Bank FDIC insured?
Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #13953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Iowa State Bank's TellerScore?
78 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 State Bank ever failed?
There is no failure record for FDIC certificate #13953 in the FDIC failed bank list.
How many branches does Iowa State Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hull
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State BankBank Sheldon, IA | 87 out of 100, Very strong | $194.7M | 12.5% | 0.00% | vs |
| Ashton State BankBank Ashton, IA | 84 out of 100, Strong | $54.5M | 14.7% | 0.88% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Sibley State BankBank Sibley, IA | 77 out of 100, Strong | $104.4M | 11.0% | 0.46% | vs |
| Northwest BankBank Spencer, IA | 70 out of 100, Strong | $3.0B | 10.1% | 0.23% | vs |
| Peoples BankBank Rock Valley, IA | 69 out of 100, Moderate | $1.3B | 10.7% | 0.85% | vs |