TellerScore

Headquartered in New Albin, Iowa, New Albin Savings Bank is a state-chartered bank with $350.6M in total assets and $296.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1898.

New Albin Savings Bank has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 8th. Capital cushion contributes the most (100/100, 15.53%); earnings contributes the least (62/100, 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.53%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 39.6% · 11.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (91 → 92).

TellerScore
899192Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202491
Q3 202491
Q4 202490
Q1 202589
Q2 202591
Q3 202591
Q4 202591
Q1 202692
Q2 202692
Tier 1 leverage ratio
5.00%10.60%16.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.11%
Q3 202416.19%
Q4 202415.84%
Q1 202515.91%
Q2 202515.73%
Q3 202515.90%
Q4 202515.68%
Q1 202615.75%
Q2 202615.53%
Noncurrent loans
0.00%0.06%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.02%
Q4 20240.03%
Q1 20250.11%
Q2 20250.04%
Q3 20250.04%
Q4 20250.01%
Q1 20260.07%
Q2 20260.00%
Return on assets
0.80%0.92%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.86%
Q4 20240.82%
Q1 20250.80%
Q2 20250.84%
Q3 20250.86%
Q4 20250.87%
Q1 20261.01%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$350.6M15.53%0.00%1.04%39.6%
Q1 202692$348.3M15.75%0.07%1.01%39.5%
Q4 202591$343.9M15.68%0.01%0.87%39.7%
Q3 202591$340.7M15.90%0.04%0.86%40.0%
Q2 202591$337.3M15.73%0.04%0.84%39.8%
Q1 202589$331.3M15.91%0.11%0.80%39.7%
Q4 202490$324.5M15.84%0.03%0.82%41.3%
Q3 202491$324.8M16.19%0.02%0.86%42.2%
Q2 202491$320.0M16.11%0.01%0.85%43.2%

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 ratio15.53%
89th
Total risk-based capital40.67%
98th
Problem loans0.00%
94th
Net charge-offs-0.00%
82nd
Return on assets1.04%
36th
Net interest margin1.95%
1st
Efficiency ratio33.6%
99th
Loans to deposits39.6%
96th
Uninsured deposits11.0%
92nd
Loan-loss reserves0.88%
16th
Texas ratio0.0%
95th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Iowa State Bank and Trust Company of Fairfield, IowaBank Fairfield, IA64 out of 100, Moderate$352.1M8.0%0.10%vs
Commercial Savings BankBank Carroll, IA62 out of 100, Moderate$348.8M8.4%0.99%vs
Glenwood State BankBank Glenwood, IA77 out of 100, Strong$352.9M12.5%1.51%vs
Kerndt Brothers Savings BankBank Lansing, IA79 out of 100, Strong$347.2M10.9%0.65%vs
Community State BankBank Spencer, IA68 out of 100, Moderate$345.8M10.5%1.24%vs
Premier BankBank Dubuque, IA67 out of 100, Moderate$357.7M8.9%0.07%vs

Deposit insurance

Is my money safe at New Albin Savings Bank?

Yes. New Albin Savings Bank is an FDIC-insured institution (FDIC certificate #8506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.0% of deposits ($32.7M) 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 15.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.67% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

New Albin Savings Bank lists 1 office in 1 city. Most locations:

  • New Albin, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
New Albin Savings Bank
Type
State-chartered bank
FDIC certificate #
8506
RSSD ID
234841
Primary regulator
FDIC
Established
January 1, 1898
Headquarters
118 Main St Ne, New Albin, IA 52160
Employees
13

Quick answers

New Albin Savings Bank: common questions

Is New Albin Savings Bank FDIC insured?

Yes. New Albin Savings Bank is an FDIC-insured institution (FDIC certificate #8506). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is New Albin Savings Bank's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has New Albin Savings Bank ever failed?

There is no failure record for FDIC certificate #8506 in the FDIC failed bank list.

How many branches does New Albin Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near New Albin

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs
Kerndt Brothers Savings BankBank Lansing, IA79 out of 100, Strong$347.2M10.9%0.65%vs
Royal BankBank Elroy, WI79 out of 100, Strong$816.1M10.5%0.06%vs
Waukon State BankBank Waukon, IA78 out of 100, Strong$426.9M10.4%0.00%vs
Westby Co-Op Credit UnionCredit union Westby, WI77 out of 100, Strong$1.0B15.6%1.44%vs