Headquartered in Pocahontas, Iowa, Pocahontas State Bank is a state-chartered bank with $122.6M in total assets and $83.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1926.
Pocahontas State Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 130th. Capital cushion contributes the most (100/100, 26.35%); loan quality contributes the least (36/100, 1.93%).
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 fell 24 points (95 → 71), mostly because the loan quality component weakened by 64 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 88 |
| Q1 2025 | 94 |
| Q2 2025 | 95 |
| Q3 2025 | 95 |
| Q4 2025 | 96 |
| Q1 2026 | 98 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 25.83% |
| Q3 2024 | 26.62% |
| Q4 2024 | 24.97% |
| Q1 2025 | 25.78% |
| Q2 2025 | 26.87% |
| Q3 2025 | 27.03% |
| Q4 2025 | 26.63% |
| Q1 2026 | 26.72% |
| Q2 2026 | 26.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.05% |
| Q2 2026 | 1.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.31% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.88% |
| Q2 2026 | 0.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $122.6M | 26.35% | 1.93% | 0.50% | 52.7% |
| Q1 2026 | 98 | $127.4M | 26.72% | 0.05% | 1.88% | 45.9% |
| Q4 2025 | 96 | $122.6M | 26.63% | 0.06% | 1.59% | 47.5% |
| Q3 2025 | 95 | $124.6M | 27.03% | 0.00% | 1.59% | 42.1% |
| Q2 2025 | 95 | $114.7M | 26.87% | 0.00% | 1.56% | 44.3% |
| Q1 2025 | 94 | $122.5M | 25.78% | 0.00% | 1.54% | 39.3% |
| Q4 2024 | 88 | $119.5M | 24.97% | 0.55% | 1.31% | 42.5% |
| Q3 2024 | 88 | $122.9M | 26.62% | 0.56% | 1.32% | 40.2% |
| Q2 2024 | 87 | $111.9M | 25.83% | 0.81% | 1.34% | 43.7% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants Savings BankBank Iowa City, IA | 83 out of 100, Strong | $122.5M | 13.6% | 0.00% | vs |
| Solon State BankBank Solon, IA | 45 out of 100, Below average | $122.5M | 23.0% | 11.69% | vs |
| United Bank & Trust Co.Bank Marshalltown, IA | 63 out of 100, Moderate | $120.1M | 10.5% | 1.57% | vs |
| First State BankBank Britt, IA | 93 out of 100, Very strong | $125.9M | 17.7% | 0.00% | vs |
| Security State BankBank Radcliffe, IA | 44 out of 100, Below average | $119.0M | 8.3% | 2.88% | vs |
| Cedar Valley Bank & TrustBank La Porte City, IA | 54 out of 100, Below average | $126.3M | 9.0% | 1.27% | vs |
Deposit insurance
Is my money safe at Pocahontas State Bank?
Yes. Pocahontas State Bank is an FDIC-insured institution (FDIC certificate #234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.0% of deposits ($14.1M) 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 26.35%, 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%).
2 locations
Branches
Pocahontas State Bank lists 2 offices in 1 city. Most locations:
- Pocahontas, IA (2)
Identity & history
Profile
- Legal name
- Pocahontas State Bank
- Former names
- The Pocahontas State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 234
- RSSD ID
- 402846
- Primary regulator
- FDIC
- Holding company
- Dentel Bcorp
- Established
- July 1, 1926
- Headquarters
- 233 N Main St, Pocahontas, IA 50574
- Website
- www.pocahontasstatebank.net
- Employees
- 8
Quick answers
Pocahontas State Bank: common questions
Is Pocahontas State Bank FDIC insured?
Yes. Pocahontas State Bank is an FDIC-insured institution (FDIC certificate #234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pocahontas State Bank's TellerScore?
71 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 Pocahontas State Bank ever failed?
There is no failure record for FDIC certificate #234 in the FDIC failed bank list.
How many branches does Pocahontas State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pocahontas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| Heartland BankBank Somers, IA | 79 out of 100, Strong | $256.1M | 13.2% | 0.81% | vs |
| Farmers State BankBank Algona, IA | 76 out of 100, Strong | $150.5M | 12.7% | 0.91% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |
| Community State BankBank Spencer, IA | 68 out of 100, Moderate | $345.8M | 10.5% | 1.24% | vs |