TellerScore

Headquartered in Sloan, Iowa, Sloan State Bank is a state-chartered bank with $78.9M in total assets and $73.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1889.

Based on its Q2 2026 filing, Sloan State Bank scores 53/100, which we describe as below average. That is higher than only 12% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 210th. Its strongest component is funding & liquidity (89/100; 31% loans-to-deposits, 25% uninsured), and its lowest is loan quality (0/100; 4.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.95%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.28%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 31.2% · 25.1% uninsured
Problem-loan coverage60/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.16%

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 (54 → 53).

TellerScore
536474Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202466
Q4 202461
Q1 202570
Q2 202554
Q3 202570
Q4 202574
Q1 202667
Q2 202653
Tier 1 leverage ratio
5.00%8.55%12.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.67%
Q3 202411.90%
Q4 202411.25%
Q1 202511.55%
Q2 202511.69%
Q3 202512.11%
Q4 202511.75%
Q1 202611.93%
Q2 202610.95%
Noncurrent loans
1.09%2.69%4.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.84%
Q3 20242.12%
Q4 20242.23%
Q1 20251.42%
Q2 20254.18%
Q3 20251.65%
Q4 20251.09%
Q1 20261.67%
Q2 20264.28%
Return on assets
1.32%1.42%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.52%
Q3 20241.44%
Q4 20241.37%
Q1 20251.36%
Q2 20251.33%
Q3 20251.42%
Q4 20251.38%
Q1 20261.32%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$78.9M10.95%4.28%1.44%31.2%
Q1 202667$86.7M11.93%1.67%1.32%31.2%
Q4 202574$70.8M11.75%1.09%1.38%38.5%
Q3 202570$70.6M12.11%1.65%1.42%37.8%
Q2 202554$71.4M11.69%4.18%1.33%33.8%
Q1 202570$73.2M11.55%1.42%1.36%33.3%
Q4 202461$70.6M11.25%2.23%1.37%35.8%
Q3 202466$69.3M11.90%2.12%1.44%34.3%
Q2 202457$68.8M11.67%2.84%1.52%34.5%

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 ratio10.95%
29th
Total risk-based capital0.00%
27th
Problem loans4.28%
7th
Net charge-offs0.00%
58th
Return on assets1.44%
72nd
Net interest margin3.30%
23rd
Efficiency ratio52.0%
88th
Loans to deposits31.2%
90th
Uninsured deposits25.1%
20th
Loan-loss reserves1.44%
66th
Texas ratio20.2%
6th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Savings BankBank Marshalltown, IA74 out of 100, Strong$77.9M9.9%0.00%vs
The Farmers State BankBank Marcus, IA88 out of 100, Very strong$77.2M13.2%0.51%vs
Tri-Valley BankBank Randolph, IA36 out of 100, Low$82.8M9.3%4.09%vs
State BankBank Spencer, IA61 out of 100, Moderate$74.9M8.3%0.70%vs
Farmers State BankBank Yale, IA90 out of 100, Very strong$72.6M12.0%0.00%vs
First State BankBank Nashua, IA79 out of 100, Strong$72.5M10.7%0.00%vs

Deposit insurance

Is my money safe at Sloan State Bank?

Yes. Sloan State Bank is an FDIC-insured institution (FDIC certificate #8507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($18.5M) 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 10.95%, 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

2 locations

Branches

Sloan State Bank lists 2 offices in 2 cities. Most locations:

  • Sloan, IA (1)
  • Whiting, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Sloan State Bank
Type
State-chartered bank
FDIC certificate #
8507
RSSD ID
481748
Primary regulator
FDIC
Holding company
Sloan State Corp
Established
October 19, 1889
Headquarters
302 4th St, Sloan, IA 51055
Employees
10

Quick answers

Sloan State Bank: common questions

Is Sloan State Bank FDIC insured?

Yes. Sloan State Bank is an FDIC-insured institution (FDIC certificate #8507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sloan State Bank's TellerScore?

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

Has Sloan State Bank ever failed?

There is no failure record for FDIC certificate #8507 in the FDIC failed bank list.

How many branches does Sloan State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sloan

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Siouxland BankBank South Sioux City, NE88 out of 100, Very strong$88.3M12.4%0.00%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs