TellerScore

Sanborn Savings Bank is a state-chartered bank headquartered in Sanborn, Iowa, in business for about 127 years. At the end of Q2 2026 it reported $92.7M in total assets and $66.6M in deposits, with 1 office.

Based on its Q2 2026 filing, Sanborn Savings Bank scores 70/100, which we describe as strong. That is higher than only 40% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 141st. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (43/100; 9.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.26%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 99.9% · 19.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.04%

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 (70 → 70).

TellerScore
676971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202469
Q1 202570
Q2 202570
Q3 202569
Q4 202569
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%7.20%9.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.13%
Q3 20249.25%
Q4 20249.38%
Q1 20259.30%
Q2 20259.29%
Q3 20259.40%
Q4 20259.11%
Q1 20269.40%
Q2 20269.26%
Noncurrent loans
0.01%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.02%
Q4 20240.01%
Q1 20250.01%
Q2 20250.01%
Q3 20250.01%
Q4 20250.01%
Q1 20260.01%
Q2 20260.01%
Return on assets
0.72%0.97%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.76%
Q4 20240.83%
Q1 20251.05%
Q2 20251.04%
Q3 20251.05%
Q4 20251.03%
Q1 20261.21%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$92.7M9.26%0.01%1.16%99.9%
Q1 202671$90.2M9.40%0.01%1.21%95.9%
Q4 202569$90.2M9.11%0.01%1.03%94.3%
Q3 202569$90.4M9.40%0.01%1.05%98.2%
Q2 202570$86.5M9.29%0.01%1.04%94.7%
Q1 202570$86.0M9.30%0.01%1.05%91.1%
Q4 202469$85.1M9.38%0.01%0.83%89.0%
Q3 202468$82.6M9.25%0.02%0.76%87.3%
Q2 202467$84.8M9.13%0.02%0.72%92.0%

546 peers · Under $100 million in assets

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 ratio9.26%
12th
Total risk-based capital0.00%
27th
Problem loans0.01%
68th
Net charge-offs0.00%
58th
Return on assets1.16%
59th
Net interest margin3.32%
24th
Efficiency ratio61.7%
70th
Loans to deposits99.9%
9th
Uninsured deposits19.9%
34th
Loan-loss reserves1.25%
52nd
Texas ratio0.0%
70th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Logan State BankBank Logan, IA69 out of 100, Moderate$92.2M9.1%0.35%vs
Community Bank of OelweinBank Oelwein, IA86 out of 100, Very strong$95.0M14.1%0.00%vs
The State BankBank Spirit Lake, IA83 out of 100, Strong$88.4M11.7%0.00%vs
The First National Bank of ManningBank Manning, IA91 out of 100, Very strong$87.7M15.0%0.00%vs
First Security State BankBank Evansdale, IA58 out of 100, Moderate$87.3M14.9%3.11%vs
The Watkins Savings BankBank Watkins, IA87 out of 100, Very strong$86.7M14.8%0.00%vs

Deposit insurance

Is my money safe at Sanborn Savings Bank?

Yes. Sanborn Savings Bank is an FDIC-insured institution (FDIC certificate #11352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.9% of deposits ($13.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.26%, 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

1 location

Branches

Sanborn Savings Bank lists 1 office in 1 city. Most locations:

  • Sanborn, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Sanborn Savings Bank
Type
State-chartered bank
FDIC certificate #
11352
RSSD ID
595944
Primary regulator
FDIC
Holding company
San Bcorp
Established
February 1, 1899
Headquarters
219 Main St, Sanborn, IA 51248
Employees
11

Quick answers

Sanborn Savings Bank: common questions

Is Sanborn Savings Bank FDIC insured?

Yes. Sanborn Savings Bank is an FDIC-insured institution (FDIC certificate #11352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sanborn Savings Bank's TellerScore?

70 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 Sanborn Savings Bank ever failed?

There is no failure record for FDIC certificate #11352 in the FDIC failed bank list.

How many branches does Sanborn Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sanborn

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Sheldon, IA87 out of 100, Very strong$194.7M12.5%0.00%vs
The First National Bank of PrimgharBank Primghar, IA84 out of 100, Strong$36.3M14.3%0.00%vs
Ashton State BankBank Ashton, IA84 out of 100, Strong$54.5M14.7%0.88%vs
West Iowa BankBank West Bend, IA82 out of 100, Strong$222.1M11.9%0.01%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Savings BankBank Primghar, IA80 out of 100, Strong$304.8M13.6%0.32%vs