TellerScore

Leighton State Bank is a state-chartered bank headquartered in Pella, Iowa, in business for about 115 years. At the end of Q2 2026 it reported $298.2M in total assets and $254.4M in deposits, with 4 offices.

Leighton State 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 100th. Earnings contributes the most (92/100, 1.80%); capital cushion contributes the least (60/100, 10.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.99%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 86.3% · 20.2% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.84%

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 9 points (65 → 74), mostly because the loan quality component improved by 21 points.

TellerScore
606774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202463
Q1 202560
Q2 202565
Q3 202565
Q4 202569
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%8.03%11.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.43%
Q3 202410.83%
Q4 202410.65%
Q1 202510.64%
Q2 202510.85%
Q3 202510.92%
Q4 202510.89%
Q1 202611.06%
Q2 202610.99%
Noncurrent loans
0.79%1.21%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.05%
Q3 20241.22%
Q4 20241.43%
Q1 20251.63%
Q2 20251.41%
Q3 20251.40%
Q4 20250.96%
Q1 20260.80%
Q2 20260.79%
Return on assets
1.10%1.45%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.27%
Q4 20241.25%
Q1 20251.10%
Q2 20251.36%
Q3 20251.37%
Q4 20251.36%
Q1 20261.67%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$298.2M10.99%0.79%1.80%86.3%
Q1 202673$293.4M11.06%0.80%1.67%87.2%
Q4 202569$290.9M10.89%0.96%1.36%85.6%
Q3 202565$281.6M10.92%1.40%1.37%87.6%
Q2 202565$279.1M10.85%1.41%1.36%85.1%
Q1 202560$278.5M10.64%1.63%1.10%85.3%
Q4 202463$278.9M10.65%1.43%1.25%85.6%
Q3 202465$259.6M10.83%1.22%1.27%90.6%
Q2 202465$265.2M10.43%1.05%1.20%86.9%

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 ratio10.99%
50th
Total risk-based capital0.00%
24th
Problem loans0.79%
34th
Net charge-offs0.02%
41st
Return on assets1.80%
80th
Net interest margin3.73%
38th
Efficiency ratio58.1%
63rd
Loans to deposits86.3%
35th
Uninsured deposits20.2%
64th
Loan-loss reserves0.88%
16th
Texas ratio4.8%
37th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Savings BankBank Colesburg, IA59 out of 100, Moderate$299.1M11.0%1.87%vs
Crawford County Trust and Savings BankBank Denison, IA80 out of 100, Strong$294.5M9.9%0.03%vs
Community Bank and Trust CompanyBank Muscatine, IA73 out of 100, Strong$303.5M8.3%0.08%vs
State Savings BankBank West Des Moines, IA58 out of 100, Moderate$291.9M8.7%1.02%vs
Savings BankBank Primghar, IA80 out of 100, Strong$304.8M13.6%0.32%vs
United Community BankBank Milford, IA51 out of 100, Below average$290.0M8.5%1.51%vs

Deposit insurance

Is my money safe at Leighton State Bank?

Yes. Leighton State Bank is an FDIC-insured institution (FDIC certificate #10118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.2% of deposits ($51.3M) 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 10.99%, 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

4 locations

Branches

Leighton State Bank lists 4 offices in 4 cities. Most locations:

  • Knoxville, IA (1)
  • Leighton, IA (1)
  • Monroe, IA (1)
  • Pella, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Leighton State Bank reported 73 home-loan applications under HMDA (LEI 549300KDKLGZFAT7RD25): 56 originated ($8,540,000 total), 6 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, 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
Leighton State Bank
Former names
Farmers Savings Bank
Type
State-chartered bank
FDIC certificate #
10118
RSSD ID
936640
Primary regulator
FDIC
Holding company
Leighton Investment Co
Established
July 14, 1911
Headquarters
900 Washington St, Pella, IA 50219
Employees
44

Quick answers

Leighton State Bank: common questions

Is Leighton State Bank FDIC insured?

Yes. Leighton State Bank is an FDIC-insured institution (FDIC certificate #10118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Leighton State 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 Leighton State Bank ever failed?

There is no failure record for FDIC certificate #10118 in the FDIC failed bank list.

How many branches does Leighton State Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pella

InstitutionScoreAssetsCapitalProblem loansCompare
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
First State BankBank Lynnville, IA75 out of 100, Strong$384.2M9.8%0.21%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
FNNB BankBank Newton, IA70 out of 100, Strong$109.5M9.7%0.55%vs
Montezuma State BankBank Montezuma, IA68 out of 100, Moderate$54.6M14.9%6.94%vs