TellerScore

Headquartered in Creston, Iowa, Iowa State Savings Bank is a state-chartered bank with $276.5M in total assets and $246.2M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1883.

Iowa State Savings Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 101st. Problem-loan coverage contributes the most (98/100, 1.1%); capital cushion contributes the least (44/100, 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.40%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 65.7% · 25.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.11%

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 (73 → 74).

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202472
Q4 202470
Q1 202573
Q2 202573
Q3 202568
Q4 202570
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.40%9.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.48%
Q3 20249.80%
Q4 20249.45%
Q1 20259.10%
Q2 20259.09%
Q3 20259.17%
Q4 20259.27%
Q1 20269.32%
Q2 20269.40%
Noncurrent loans
0.01%0.23%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.01%
Q4 20240.01%
Q1 20250.01%
Q2 20250.01%
Q3 20250.44%
Q4 20250.21%
Q1 20260.21%
Q2 20260.20%
Return on assets
0.77%1.11%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.86%
Q3 20240.81%
Q4 20240.77%
Q1 20251.17%
Q2 20251.15%
Q3 20251.06%
Q4 20251.03%
Q1 20261.46%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$276.5M9.40%0.20%1.40%65.7%
Q1 202674$287.1M9.32%0.21%1.46%62.0%
Q4 202570$282.7M9.27%0.21%1.03%65.3%
Q3 202568$281.2M9.17%0.44%1.06%61.8%
Q2 202573$284.3M9.09%0.01%1.15%61.8%
Q1 202573$285.8M9.10%0.01%1.17%63.0%
Q4 202470$270.3M9.45%0.01%0.77%69.0%
Q3 202472$257.1M9.80%0.01%0.81%69.5%
Q2 202469$256.6M9.48%0.20%0.86%68.7%

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 ratio9.40%
19th
Total risk-based capital16.49%
76th
Problem loans0.20%
65th
Net charge-offs0.01%
51st
Return on assets1.40%
59th
Net interest margin3.70%
37th
Efficiency ratio52.6%
78th
Loans to deposits65.7%
76th
Uninsured deposits25.8%
43rd
Loan-loss reserves1.50%
79th
Texas ratio1.1%
68th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Reliance State BankBank Story City, IA43 out of 100, Below average$276.8M9.7%2.95%vs
Success BankBank Bloomfield, IA79 out of 100, Strong$277.1M12.2%0.33%vs
DeWitt Bank & Trust Co.Bank Dewitt, IA62 out of 100, Moderate$277.3M9.4%1.26%vs
FNB BankBank Fontanelle, IA91 out of 100, Very strong$274.6M14.5%0.02%vs
Guthrie County State BankBank Panora, IA77 out of 100, Strong$279.2M12.3%0.16%vs
Farmers and Merchants State BankBank Winterset, IA78 out of 100, Strong$271.7M10.7%0.00%vs

Deposit insurance

Is my money safe at Iowa State Savings Bank?

Yes. Iowa State Savings Bank is an FDIC-insured institution (FDIC certificate #8751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.8% of deposits ($63.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.40%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.49% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Iowa State Savings Bank lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Iowa State Savings Bank
Type
State-chartered bank
FDIC certificate #
8751
RSSD ID
869346
Primary regulator
FDIC
Holding company
Ames National Corp
Established
January 1, 1883
Headquarters
401 W Adams St, Creston, IA 50801
Employees
33

Quick answers

Iowa State Savings Bank: common questions

Is Iowa State Savings Bank FDIC insured?

Yes. Iowa State Savings Bank is an FDIC-insured institution (FDIC certificate #8751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Iowa State Savings Bank's TellerScore?

74 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 Savings Bank ever failed?

There is no failure record for FDIC certificate #8751 in the FDIC failed bank list.

How many branches does Iowa State Savings Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Creston

InstitutionScoreAssetsCapitalProblem loansCompare
FNB BankBank Fontanelle, IA91 out of 100, Very strong$274.6M14.5%0.02%vs
American State BankBank Osceola, IA83 out of 100, Strong$360.8M11.1%0.04%vs
Farmers and Merchants State BankBank Winterset, IA78 out of 100, Strong$271.7M10.7%0.00%vs
PCSB BankBank Clarinda, IA77 out of 100, Strong$326.1M11.1%0.25%vs
TS BankBank Treynor, IA72 out of 100, Strong$432.7M10.6%1.41%vs
Union State BankBank Greenfield, IA71 out of 100, Strong$168.7M9.3%0.51%vs