TellerScore

Headquartered in Des Moines, Iowa, Iowa State Bank is a state-chartered bank with $480.5M in total assets and $392.0M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1941.

Based on its Q2 2026 filing, Iowa State Bank scores 95/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 4th. Its strongest component is capital cushion (100/100; 15.92%), and its lowest is funding & liquidity (77/100; 70% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.92%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings90/100
Return on assets (annualized): 1.76%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 70.0% · 27.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (95 → 95).

TellerScore
909395Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202490
Q4 202491
Q1 202594
Q2 202595
Q3 202595
Q4 202595
Q1 202692
Q2 202695
Tier 1 leverage ratio
5.00%10.46%15.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.42%
Q3 202415.67%
Q4 202415.61%
Q1 202515.83%
Q2 202515.54%
Q3 202515.31%
Q4 202515.46%
Q1 202615.54%
Q2 202615.92%
Noncurrent loans
0.00%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.02%
Q1 20250.02%
Q2 20250.02%
Q3 20250.02%
Q4 20250.02%
Q1 20260.02%
Q2 20260.00%
Return on assets
1.17%1.48%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.24%
Q4 20241.33%
Q1 20251.65%
Q2 20251.70%
Q3 20251.79%
Q4 20251.77%
Q1 20261.44%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$480.5M15.92%0.00%1.76%70.0%
Q1 202692$464.3M15.54%0.02%1.44%69.5%
Q4 202595$467.0M15.46%0.02%1.77%68.8%
Q3 202595$454.2M15.31%0.02%1.79%71.2%
Q2 202595$461.0M15.54%0.02%1.70%70.6%
Q1 202594$464.1M15.83%0.02%1.65%71.6%
Q4 202491$470.0M15.61%0.02%1.33%71.4%
Q3 202490$439.1M15.67%0.00%1.24%74.5%
Q2 202490$440.8M15.42%0.00%1.17%73.4%

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).

Capital ratio15.92%
90th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.76%
78th
Net interest margin3.41%
24th
Efficiency ratio63.7%
46th
Loans to deposits70.0%
69th
Uninsured deposits27.0%
38th
Loan-loss reserves0.75%
9th
Texas ratio0.0%
95th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Home State BankBank Jefferson, IA38 out of 100, Low$480.7M8.9%2.21%vs
American Bank and Trust Company, National AssociationBank Davenport, IA61 out of 100, Moderate$480.9M10.1%0.86%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
Raccoon Valley BankBank Perry, IA66 out of 100, Moderate$486.0M9.6%0.74%vs
Iowa State BankBank Algona, IA73 out of 100, Strong$470.7M11.2%0.15%vs
Security State BankBank Sutherland, IA77 out of 100, Strong$492.3M11.1%0.23%vs

Deposit insurance

Is my money safe at Iowa State Bank?

Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #15808). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($106.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.92%, 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%).

Check how much of your own balance is covered

5 locations

Branches

Iowa State Bank lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Iowa State Bank reported 59 home-loan applications under HMDA (LEI 254900F6O4NCRVOV3J04): 56 originated ($14,150,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Iowa State Bank
Type
State-chartered bank
FDIC certificate #
15808
RSSD ID
662949
Primary regulator
FDIC
Holding company
Iowa State Bank Holding Co
Established
April 14, 1941
Headquarters
627 E Locust St, Des Moines, IA 50309
Employees
88

Quick answers

Iowa State Bank: common questions

Is Iowa State Bank FDIC insured?

Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #15808). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Iowa State Bank's TellerScore?

95 out of 100 (Very 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 #15808 in the FDIC failed bank list.

How many branches does Iowa State Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Des Moines

InstitutionScoreAssetsCapitalProblem loansCompare
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs
Capitol View Credit UnionCredit union Des Moines, IA82 out of 100, Strong$46.1M18.7%0.41%vs