South Ottumwa Savings Bank is a state-chartered bank headquartered in Ottumwa, Iowa, in business for about 123 years. At the end of Q2 2026 it reported $565.4M in total assets and $473.9M in deposits, with 6 offices.
South Ottumwa Savings Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 76th. Problem-loan coverage contributes the most (93/100, 3.4%); funding & liquidity contributes the least (70/100, 68% loans-to-deposits, 35% 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 (74 → 77), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 75 |
| Q4 2024 | 70 |
| Q1 2025 | 72 |
| Q2 2025 | 74 |
| Q3 2025 | 78 |
| Q4 2025 | 82 |
| Q1 2026 | 81 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.19% |
| Q3 2024 | 12.52% |
| Q4 2024 | 11.75% |
| Q1 2025 | 12.00% |
| Q2 2025 | 12.39% |
| Q3 2025 | 13.00% |
| Q4 2025 | 13.30% |
| Q1 2026 | 13.44% |
| Q2 2026 | 13.00% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.48% |
| Q2 2026 | 0.83% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $565.4M | 13.00% | 0.83% | 1.40% | 67.7% |
| Q1 2026 | 81 | $536.1M | 13.44% | 0.48% | 1.36% | 72.7% |
| Q4 2025 | 82 | $518.9M | 13.30% | 0.25% | 1.25% | 74.5% |
| Q3 2025 | 78 | $525.5M | 13.00% | 0.56% | 1.25% | 76.3% |
| Q2 2025 | 74 | $526.1M | 12.39% | 0.81% | 1.19% | 72.8% |
| Q1 2025 | 72 | $547.7M | 12.00% | 0.70% | 0.92% | 68.6% |
| Q4 2024 | 70 | $541.7M | 11.75% | 0.61% | 0.74% | 69.8% |
| Q3 2024 | 75 | $537.2M | 12.52% | 0.34% | 0.71% | 70.8% |
| Q2 2024 | 71 | $530.3M | 12.19% | 0.78% | 0.73% | 71.1% |
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 |
|---|---|---|---|---|---|
| Central State BankBank State Center, IA | 55 out of 100, Moderate | $557.8M | 10.4% | 1.42% | vs |
| Connection BankBank Fort Madison, IA | 71 out of 100, Strong | $540.9M | 10.0% | 0.26% | vs |
| First Security Bank and Trust CompanyBank Charles City, IA | 68 out of 100, Moderate | $538.2M | 10.0% | 0.27% | vs |
| Citizens State BankBank Monticello, IA | 66 out of 100, Moderate | $594.4M | 11.5% | 1.46% | vs |
| American Bank, National AssociationBank Le Mars, IA | 78 out of 100, Strong | $533.0M | 10.7% | 0.00% | vs |
| Washington State BankBank Washington, IA | 78 out of 100, Strong | $601.1M | 12.5% | 0.49% | vs |
Deposit insurance
Is my money safe at South Ottumwa Savings Bank?
Yes. South Ottumwa Savings Bank is an FDIC-insured institution (FDIC certificate #9099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.1% of deposits ($166.4M) 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 13.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.24% (benchmark: 10%).
6 locations
Branches
South Ottumwa Savings Bank lists 5 offices in 4 cities. Most locations:
- Ottumwa, IA (2)
- Albia, IA (1)
- Hedrick, IA (1)
- West Liberty, IA (1)
Identity & history
Profile
- Legal name
- South Ottumwa Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9099
- RSSD ID
- 75446
- Primary regulator
- FDIC
- Holding company
- Cornerstone Finl Services Group
- Established
- January 1, 1903
- Headquarters
- 320 Church St, Ottumwa, IA 52501
- Website
- www.sosb-ia.com
- Employees
- 70
Quick answers
South Ottumwa Savings Bank: common questions
Is South Ottumwa Savings Bank FDIC insured?
Yes. South Ottumwa Savings Bank is an FDIC-insured institution (FDIC certificate #9099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is South Ottumwa Savings Bank's TellerScore?
77 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 South Ottumwa Savings Bank ever failed?
There is no failure record for FDIC certificate #9099 in the FDIC failed bank list.
How many branches does South Ottumwa Savings Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ottumwa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Meridian Credit UnionCredit union Ottumwa, IA | 91 out of 100, Very strong | $34.4M | 16.7% | 0.14% | vs |
| Success BankBank Bloomfield, IA | 79 out of 100, Strong | $277.1M | 12.2% | 0.33% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| Pilot Grove Savings BankBank Pilot Grove, IA | 74 out of 100, Strong | $1.2B | 8.8% | 0.13% | vs |
| The Libertyville Savings BankBank Fairfield, IA | 73 out of 100, Strong | $384.1M | 11.0% | 0.90% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |