Iowa State Bank (FDIC certificate #15947) is based in Clarksville, Iowa. Its Q2 2026 call report shows $392.9M in total assets and $339.9M in deposits and 3 offices.
Based on its Q2 2026 filing, Iowa State Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 189th. Its strongest component is earnings (100/100; 2.38%), and its lowest is loan quality (11/100; 2.66%).
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 7 points (54 → 61), mostly because the problem-loan coverage component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 46 |
| Q4 2024 | 46 |
| Q1 2025 | 51 |
| Q2 2025 | 54 |
| Q3 2025 | 54 |
| Q4 2025 | 53 |
| Q1 2026 | 60 |
| Q2 2026 | 61 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.55% |
| Q3 2024 | 10.63% |
| Q4 2024 | 10.37% |
| Q1 2025 | 10.57% |
| Q2 2025 | 11.09% |
| Q3 2025 | 11.14% |
| Q4 2025 | 10.86% |
| Q1 2026 | 11.18% |
| Q2 2026 | 11.03% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.54% |
| Q3 2024 | 4.23% |
| Q4 2024 | 3.04% |
| Q1 2025 | 3.23% |
| Q2 2025 | 3.66% |
| Q3 2025 | 3.76% |
| Q4 2025 | 3.38% |
| Q1 2026 | 2.74% |
| Q2 2026 | 2.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.99% |
| Q4 2024 | 1.00% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.73% |
| Q3 2025 | 1.71% |
| Q4 2025 | 1.67% |
| Q1 2026 | 3.10% |
| Q2 2026 | 2.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $392.9M | 11.03% | 2.66% | 2.38% | 77.0% |
| Q1 2026 | 60 | $389.6M | 11.18% | 2.74% | 3.10% | 79.9% |
| Q4 2025 | 53 | $375.9M | 10.86% | 3.38% | 1.67% | 79.5% |
| Q3 2025 | 54 | $371.1M | 11.14% | 3.76% | 1.71% | 81.5% |
| Q2 2025 | 54 | $362.3M | 11.09% | 3.66% | 1.73% | 81.3% |
| Q1 2025 | 51 | $364.5M | 10.57% | 3.23% | 1.45% | 78.8% |
| Q4 2024 | 46 | $362.0M | 10.37% | 3.04% | 1.00% | 79.8% |
| Q3 2024 | 46 | $371.2M | 10.63% | 4.23% | 0.99% | 79.4% |
| Q2 2024 | 45 | $368.8M | 10.55% | 3.54% | 0.88% | 79.5% |
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 |
|---|---|---|---|---|---|
| First Iowa State BankBank Albia, IA | 60 out of 100, Moderate | $396.1M | 10.2% | 2.12% | vs |
| The Clinton National BankBank Clinton, IA | 79 out of 100, Strong | $396.4M | 13.4% | 0.53% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| The Libertyville Savings BankBank Fairfield, IA | 73 out of 100, Strong | $384.1M | 11.0% | 0.90% | vs |
| Hardin County Savings BankBank Eldora, IA | 62 out of 100, Moderate | $402.3M | 9.8% | 1.25% | vs |
| Earlham Savings BankBank West Des Moines, IA | 66 out of 100, Moderate | $382.5M | 9.5% | 0.91% | vs |
Deposit insurance
Is my money safe at Iowa State Bank?
Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #15947). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.7% of deposits ($53.2M) 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 11.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.80% (benchmark: 10%).
3 locations
Branches
Iowa State Bank lists 3 offices in 3 cities. Most locations:
- Clarksville, IA (1)
- Kesley, IA (1)
- Parkersburg, IA (1)
Identity & history
Profile
- Legal name
- Iowa State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15947
- RSSD ID
- 865142
- Primary regulator
- FDIC
- Holding company
- Clarkel Inc
- Established
- January 1, 1918
- Headquarters
- 100 N Main St, Clarksville, IA 50619
- Website
- www.iowastatebank.com
- Employees
- 31
Quick answers
Iowa State Bank: common questions
Is Iowa State Bank FDIC insured?
Yes. Iowa State Bank is an FDIC-insured institution (FDIC certificate #15947). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Iowa State Bank's TellerScore?
61 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 #15947 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 Clarksville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waterloo Firemen'S Credit UnionCredit union Waterloo, IA | 90 out of 100, Very strong | $2.9M | 13.3% | 0.00% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Family Community Credit UnionCredit union Charles City, IA | 82 out of 100, Strong | $26.3M | 12.1% | 0.08% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| Cedar Falls Community Credit UnionCredit union Cedar Falls, IA | 80 out of 100, Strong | $251.7M | 15.9% | 0.78% | vs |
| First State BankBank Nashua, IA | 79 out of 100, Strong | $72.5M | 10.7% | 0.00% | vs |