Iowa State Bank and Trust Company of Fairfield, Iowa (FDIC certificate #14413) is based in Fairfield, Iowa. Its Q2 2026 call report shows $352.1M in total assets and $300.9M in deposits and 3 offices.
Iowa State Bank and Trust Company of Fairfield, Iowa 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 177th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (30/100, 8.01%).
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 3 points (61 → 64), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 61 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 62 |
| Q1 2026 | 64 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.00% |
| Q3 2024 | 8.18% |
| Q4 2024 | 8.16% |
| Q1 2025 | 8.14% |
| Q2 2025 | 8.00% |
| Q3 2025 | 8.25% |
| Q4 2025 | 8.04% |
| Q1 2026 | 8.19% |
| Q2 2026 | 8.01% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.02% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $352.1M | 8.01% | 0.10% | 1.24% | 83.3% |
| Q1 2026 | 64 | $325.3M | 8.19% | 0.10% | 1.20% | 90.3% |
| Q4 2025 | 62 | $330.6M | 8.04% | 0.10% | 1.02% | 87.1% |
| Q3 2025 | 63 | $313.6M | 8.25% | 0.03% | 0.93% | 86.6% |
| Q2 2025 | 61 | $302.7M | 8.00% | 0.07% | 0.87% | 86.6% |
| Q1 2025 | 62 | $279.5M | 8.14% | 0.05% | 0.90% | 92.2% |
| Q4 2024 | 61 | $269.4M | 8.16% | 0.04% | 0.75% | 93.6% |
| Q3 2024 | 62 | $258.6M | 8.18% | 0.04% | 0.76% | 95.8% |
| Q2 2024 | 62 | $264.7M | 8.00% | 0.06% | 0.79% | 94.1% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Glenwood State BankBank Glenwood, IA | 77 out of 100, Strong | $352.9M | 12.5% | 1.51% | vs |
| New Albin Savings BankBank New Albin, IA | 92 out of 100, Very strong | $350.6M | 15.5% | 0.00% | vs |
| Commercial Savings BankBank Carroll, IA | 62 out of 100, Moderate | $348.8M | 8.4% | 0.99% | vs |
| Kerndt Brothers Savings BankBank Lansing, IA | 79 out of 100, Strong | $347.2M | 10.9% | 0.65% | vs |
| Premier BankBank Dubuque, IA | 67 out of 100, Moderate | $357.7M | 8.9% | 0.07% | vs |
| Community State BankBank Spencer, IA | 68 out of 100, Moderate | $345.8M | 10.5% | 1.24% | vs |
Deposit insurance
Is my money safe at Iowa State Bank and Trust Company of Fairfield, Iowa?
Yes. Iowa State Bank and Trust Company of Fairfield, Iowa is an FDIC-insured institution (FDIC certificate #14413). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.7% of deposits ($122.3M) 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 8.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.97% (benchmark: 10%).
3 locations
Branches
Iowa State Bank and Trust Company of Fairfield, Iowa lists 3 offices in 3 cities. Most locations:
- Centerville, IA (1)
- Fairfield, IA (1)
- Ottumwa, IA (1)
Identity & history
Profile
- Legal name
- Iowa State Bank and Trust Company of Fairfield, Iowa
- Former names
- Iowa State Bank and Trust Company of Fairfield
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 14413
- RSSD ID
- 651541
- Primary regulator
- FED
- Holding company
- Iowa St Finl Services Corp
- Established
- May 19, 1934
- Headquarters
- 55 S 4th St, Fairfield, IA 52556
- Website
- www.myiowastatebank.com
- Employees
- 33
Quick answers
Iowa State Bank and Trust Company of Fairfield, Iowa: common questions
Is Iowa State Bank and Trust Company of Fairfield, Iowa FDIC insured?
Yes. Iowa State Bank and Trust Company of Fairfield, Iowa is an FDIC-insured institution (FDIC certificate #14413). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Iowa State Bank and Trust Company of Fairfield, Iowa'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 and Trust Company of Fairfield, Iowa ever failed?
There is no failure record for FDIC certificate #14413 in the FDIC failed bank list.
How many branches does Iowa State Bank and Trust Company of Fairfield, Iowa have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fairfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Central BankBank Bonaparte, IA | 84 out of 100, Strong | $63.2M | 16.1% | 1.11% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |
| Federation BankBank Washington, IA | 83 out of 100, Strong | $155.8M | 10.5% | 0.20% | vs |
| Washington State BankBank Washington, IA | 78 out of 100, Strong | $601.1M | 12.5% | 0.49% | vs |
| South Ottumwa Savings BankBank Ottumwa, IA | 77 out of 100, Strong | $565.4M | 13.0% | 0.83% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |