The State Bank of Toledo is a state-chartered bank headquartered in Toledo, Iowa, in business for about 99 years. At the end of Q2 2026 it reported $134.6M in total assets and $120.2M in deposits, with 2 offices.
Based on its Q2 2026 filing, The State Bank of Toledo scores 52/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 211th. Its strongest component is problem-loan coverage (67/100; 16.3%), and its lowest is loan quality (32/100; 2.04%).
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 7 points (45 → 52), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 41 |
| Q4 2024 | 42 |
| Q1 2025 | 44 |
| Q2 2025 | 45 |
| Q3 2025 | 50 |
| Q4 2025 | 58 |
| Q1 2026 | 52 |
| Q2 2026 | 52 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.72% |
| Q3 2024 | 9.69% |
| Q4 2024 | 9.59% |
| Q1 2025 | 10.05% |
| Q2 2025 | 10.02% |
| Q3 2025 | 9.98% |
| Q4 2025 | 9.56% |
| Q1 2026 | 9.51% |
| Q2 2026 | 9.83% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.86% |
| Q3 2024 | 3.03% |
| Q4 2024 | 2.83% |
| Q1 2025 | 2.26% |
| Q2 2025 | 2.40% |
| Q3 2025 | 2.11% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.77% |
| Q2 2026 | 2.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.84% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $134.6M | 9.83% | 2.04% | 1.07% | 89.9% |
| Q1 2026 | 52 | $144.9M | 9.51% | 1.77% | 0.84% | 83.8% |
| Q4 2025 | 58 | $138.8M | 9.56% | 1.16% | 0.88% | 88.6% |
| Q3 2025 | 50 | $134.1M | 9.98% | 2.11% | 0.81% | 91.2% |
| Q2 2025 | 45 | $135.2M | 10.02% | 2.40% | 0.58% | 93.5% |
| Q1 2025 | 44 | $130.7M | 10.05% | 2.26% | 0.30% | 93.5% |
| Q4 2024 | 42 | $137.3M | 9.59% | 2.83% | 0.82% | 86.4% |
| Q3 2024 | 41 | $132.8M | 9.69% | 3.03% | 1.00% | 92.4% |
| Q2 2024 | 44 | $138.6M | 9.72% | 2.86% | 1.19% | 88.0% |
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 |
|---|---|---|---|---|---|
| Union State BankBank Winterset, IA | 70 out of 100, Strong | $136.5M | 8.1% | 0.00% | vs |
| Citizens State BankBank Wyoming, IA | 91 out of 100, Very strong | $137.7M | 17.9% | 0.25% | vs |
| Corydon State BankBank Corydon, IA | 71 out of 100, Strong | $138.0M | 25.7% | 5.45% | vs |
| Community BankBank Dunlap, IA | 76 out of 100, Strong | $138.3M | 11.0% | 0.28% | vs |
| Farmers Savings BankBank Wever, IA | 80 out of 100, Strong | $130.5M | 13.7% | 0.27% | vs |
| First State BankBank Stuart, IA | 82 out of 100, Strong | $129.7M | 11.9% | 0.03% | vs |
Deposit insurance
Is my money safe at The State Bank of Toledo?
Yes. The State Bank of Toledo is an FDIC-insured institution (FDIC certificate #4514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.6% of deposits ($22.3M) 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 9.83%, 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%).
2 locations
Branches
The State Bank of Toledo lists 2 offices in 1 city. Most locations:
- Toledo, IA (2)
Identity & history
Profile
- Legal name
- The State Bank of Toledo
- Former names
- The National Bank of Toledo
- Type
- State-chartered bank
- FDIC certificate #
- 4514
- RSSD ID
- 490348
- Primary regulator
- FDIC
- Holding company
- Tama County Abstract Co
- Established
- January 1, 1927
- Headquarters
- 100 E High St, Toledo, IA 52342
- Website
- www.banktoledo.com
- Employees
- 20
Quick answers
The State Bank of Toledo: common questions
Is The State Bank of Toledo FDIC insured?
Yes. The State Bank of Toledo is an FDIC-insured institution (FDIC certificate #4514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The State Bank of Toledo's TellerScore?
52 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 The State Bank of Toledo ever failed?
There is no failure record for FDIC certificate #4514 in the FDIC failed bank list.
How many branches does The State Bank of Toledo have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Toledo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| Farmers Savings BankBank Marshalltown, IA | 85 out of 100, Very strong | $140.3M | 16.5% | 0.57% | vs |
| Pinnacle BankBank Marshalltown, IA | 82 out of 100, Strong | $324.4M | 14.7% | 0.75% | vs |
| Farmers Savings Bank & TrustBank Traer, IA | 81 out of 100, Strong | $212.7M | 10.3% | 0.00% | vs |
| Northeast Security BankBank Sumner, IA | 77 out of 100, Strong | $461.9M | 10.8% | 0.00% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |