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.

From Q2 2025 to Q2 2026, the score fell 10 points (73 → 63), mostly because the earnings component weakened by 31 points.

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

Yes. Iowa Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #18400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.9% of deposits ($118.5M) 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 10.82%, 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

Iowa Trust & Savings Bank lists 4 offices in 4 cities. Most locations:

• Clive, IA (1)
• Emmetsburg, IA (1)
• Panora, IA (1)
• Sac City, IA (1)

All branch addresses and map

In 2025, Iowa Trust & Savings Bank reported 15 home-loan applications under HMDA (LEI 254900MRLM780BDGSW97): 13 originated ($16,855,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, 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.

Legal name

Iowa Trust & Savings Bank

Type

State-chartered bank

FDIC certificate #

18400

RSSD ID

649342

Primary regulator

FDIC

Holding company

Emmetsburg Bank Shares Inc

Established

July 1, 1929

Headquarters

2101 10th St, Emmetsburg, IA 50536

Website

www.iowatrustbank.com

Employees

52