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.

From Q2 2025 to Q2 2026, the score fell 10 points (68 → 58), mostly because the loan quality component weakened by 30 points.

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

Yes. State Savings Bank is an FDIC-insured institution (FDIC certificate #248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.0% of deposits ($42.3M) 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 8.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.05% (benchmark: 10%).

Check how much of your own balance is covered

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

• Baxter, IA (1)
• West Des Moines, IA (1)

All branch addresses and map

In 2025, State Savings Bank reported 56 home-loan applications under HMDA (LEI 254900OZCVAL2OC4DT59): 43 originated ($16,425,000 total), 6 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

State Savings Bank

Type

State-chartered bank

FDIC certificate #

248

RSSD ID

762045

Primary regulator

FDIC

Holding company

SSB Holding Co Inc

Established

July 4, 1894

Headquarters

4800 George Mills Civic Pkwy, West Des Moines, IA 50265

Website

www.ssb.bank

Employees

34