Ohnward Bank & Trust is a state-chartered bank headquartered in Cascade, Iowa, in business for about 123 years. At the end of Q2 2026 it reported $499.1M in total assets and $417.6M in deposits, with 6 offices.
Based on its Q2 2026 filing, Ohnward Bank & Trust scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 98th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is funding & liquidity (46/100; 93% loans-to-deposits, 34% uninsured).
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 (71 → 74), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 71 |
| Q3 2025 | 74 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.94% |
| Q3 2024 | 12.74% |
| Q4 2024 | 12.43% |
| Q1 2025 | 12.72% |
| Q2 2025 | 12.73% |
| Q3 2025 | 12.67% |
| Q4 2025 | 12.42% |
| Q1 2026 | 12.65% |
| Q2 2026 | 12.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.39% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $499.1M | 12.58% | 0.60% | 1.39% | 92.9% |
| Q1 2026 | 74 | $489.2M | 12.65% | 0.64% | 1.37% | 92.1% |
| Q4 2025 | 73 | $482.0M | 12.42% | 0.58% | 1.22% | 90.1% |
| Q3 2025 | 74 | $477.1M | 12.67% | 0.58% | 1.17% | 88.2% |
| Q2 2025 | 71 | $459.5M | 12.73% | 0.80% | 1.13% | 91.1% |
| Q1 2025 | 73 | $457.3M | 12.72% | 0.66% | 1.06% | 87.9% |
| Q4 2024 | 72 | $439.5M | 12.43% | 0.59% | 1.04% | 90.8% |
| Q3 2024 | 78 | $445.4M | 12.74% | 0.00% | 1.00% | 88.0% |
| Q2 2024 | 78 | $419.5M | 12.94% | 0.02% | 0.98% | 94.2% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grinnell State BankBank Grinnell, IA | 67 out of 100, Moderate | $498.6M | 11.9% | 0.47% | vs |
| TruBankBank Indianola, IA | 56 out of 100, Moderate | $494.6M | 9.2% | 1.33% | vs |
| Security State BankBank Sutherland, IA | 77 out of 100, Strong | $492.3M | 11.1% | 0.23% | vs |
| Raccoon Valley BankBank Perry, IA | 66 out of 100, Moderate | $486.0M | 9.6% | 0.74% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |
| American Bank and Trust Company, National AssociationBank Davenport, IA | 61 out of 100, Moderate | $480.9M | 10.1% | 0.86% | vs |
Deposit insurance
Is my money safe at Ohnward Bank & Trust?
Yes. Ohnward Bank & Trust is an FDIC-insured institution (FDIC certificate #10111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.7% of deposits ($140.8M) 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 12.58%, 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%).
6 locations
Branches
Ohnward Bank & Trust lists 6 offices in 6 cities. Most locations:
- Baldwin, IA (1)
- Cascade, IA (1)
- Cedar Rapids, IA (1)
- Central City, IA (1)
- Marion, IA (1)
- Monticello, IA (1)
Identity & history
Profile
- Legal name
- Ohnward Bank & Trust
- Former names
- Baldwin Savings Bank; Tri-County Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 10111
- RSSD ID
- 761543
- Primary regulator
- FDIC
- Holding company
- Ohnward Bancshares Inc
- Established
- February 28, 1903
- Headquarters
- 332 1st Ave W, Cascade, IA 52033
- Website
- www.ohnwardbank.bank
- Employees
- 62
Quick answers
Ohnward Bank & Trust: common questions
Is Ohnward Bank & Trust FDIC insured?
Yes. Ohnward Bank & Trust is an FDIC-insured institution (FDIC certificate #10111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ohnward Bank & Trust'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 Ohnward Bank & Trust ever failed?
There is no failure record for FDIC certificate #10111 in the FDIC failed bank list.
How many branches does Ohnward Bank & Trust have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cascade
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dubuque Postal Employees Credit UnionCredit union Dubuque, IA | 92 out of 100, Very strong | $4.3M | 15.3% | 0.00% | vs |
| Citizens State BankBank Wyoming, IA | 91 out of 100, Very strong | $137.7M | 17.9% | 0.25% | vs |
| Maquoketa State BankBank Maquoketa, IA | 86 out of 100, Very strong | $429.0M | 16.4% | 0.52% | vs |
| Aim Credit UnionCredit union Dubuque, IA | 79 out of 100, Strong | $201.2M | 13.1% | 0.60% | vs |
| Dupaco Community Credit UnionCredit union Dubuque, IA | 77 out of 100, Strong | $3.5B | 13.3% | 0.77% | vs |
| Citizens Savings BankBank Anamosa, IA | 74 out of 100, Strong | $165.9M | 9.5% | 0.00% | vs |