State Bank of Schaller is a state-chartered bank headquartered in Schaller, Iowa, in business for about 128 years. At the end of Q2 2026 it reported $40.6M in total assets and $34.9M in deposits, with 1 office.
State Bank of Schaller has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 18% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 199th. Funding & liquidity contributes the most (100/100, 29% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 3.69%).
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 2 points (61 → 59), mostly because the funding & liquidity component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 56 |
| Q4 2024 | 55 |
| Q1 2025 | 60 |
| Q2 2025 | 61 |
| Q3 2025 | 60 |
| Q4 2025 | 62 |
| Q1 2026 | 60 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.63% |
| Q3 2024 | 12.48% |
| Q4 2024 | 12.39% |
| Q1 2025 | 12.55% |
| Q2 2025 | 13.96% |
| Q3 2025 | 13.63% |
| Q4 2025 | 13.55% |
| Q1 2026 | 13.61% |
| Q2 2026 | 13.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.65% |
| Q3 2024 | 3.77% |
| Q4 2024 | 3.70% |
| Q1 2025 | 3.61% |
| Q2 2025 | 3.30% |
| Q3 2025 | 6.38% |
| Q4 2025 | 6.86% |
| Q1 2026 | 3.43% |
| Q2 2026 | 3.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.00% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.19% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $40.6M | 13.27% | 3.69% | 0.81% | 28.6% |
| Q1 2026 | 60 | $39.8M | 13.61% | 3.43% | 0.77% | 28.5% |
| Q4 2025 | 62 | $39.8M | 13.55% | 6.86% | 1.19% | 30.0% |
| Q3 2025 | 60 | $38.3M | 13.63% | 6.38% | 1.25% | 29.1% |
| Q2 2025 | 61 | $39.6M | 13.96% | 3.30% | 1.14% | 30.2% |
| Q1 2025 | 60 | $41.5M | 12.55% | 3.61% | 1.25% | 30.0% |
| Q4 2024 | 55 | $42.0M | 12.39% | 3.70% | 1.00% | 30.2% |
| Q3 2024 | 56 | $42.3M | 12.48% | 3.77% | 1.20% | 29.6% |
| Q2 2024 | 59 | $41.0M | 13.63% | 4.65% | 1.23% | 33.1% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community State BankBank Paton, IA | 89 out of 100, Very strong | $41.4M | 20.2% | 0.00% | vs |
| Cornerstone BankBank Clarinda, IA | 83 out of 100, Strong | $42.0M | 15.2% | 0.47% | vs |
| Defiance State BankBank Defiance, IA | 68 out of 100, Moderate | $42.6M | 9.9% | 0.08% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| The First National Bank of PrimgharBank Primghar, IA | 84 out of 100, Strong | $36.3M | 14.3% | 0.00% | vs |
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
Deposit insurance
Is my money safe at State Bank of Schaller?
Yes. State Bank of Schaller is an FDIC-insured institution (FDIC certificate #13931). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 0.5% of deposits ($165K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.27%, 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%).
1 location
Branches
State Bank of Schaller lists 1 office in 1 city. Most locations:
- Schaller, IA (1)
Identity & history
Profile
- Legal name
- State Bank of Schaller
- Type
- State-chartered bank
- FDIC certificate #
- 13931
- RSSD ID
- 534242
- Primary regulator
- FDIC
- Holding company
- Century Bancshares Inc
- Established
- January 1, 1898
- Headquarters
- 100 W 2nd St, Schaller, IA 51053
- Website
- www.statebankofschaller.com
- Employees
- 4
Quick answers
State Bank of Schaller: common questions
Is State Bank of Schaller FDIC insured?
Yes. State Bank of Schaller is an FDIC-insured institution (FDIC certificate #13931). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Schaller's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank of Schaller ever failed?
There is no failure record for FDIC certificate #13931 in the FDIC failed bank list.
How many branches does State Bank of Schaller have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Schaller
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens First National Bank of Storm LakeBank Storm Lake, IA | 99 out of 100, Very strong | $256.5M | 15.9% | 0.03% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| Cherokee State BankBank Cherokee, IA | 83 out of 100, Strong | $271.1M | 13.0% | 0.00% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |