TellerScore

The Watkins Savings Bank (FDIC certificate #18071) is based in Watkins, Iowa. Its Q2 2026 call report shows $86.7M in total assets and $75.0M in deposits and 1 office.

The Watkins Savings Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 84% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 25th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (40/100, 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.80%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 43.1% · 8.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (87 → 87).

TellerScore
848688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202487
Q4 202487
Q1 202587
Q2 202587
Q3 202586
Q4 202584
Q1 202688
Q2 202687
Tier 1 leverage ratio
5.00%10.86%16.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.72%
Q3 202416.56%
Q4 202416.37%
Q1 202515.58%
Q2 202515.53%
Q3 202515.54%
Q4 202515.03%
Q1 202615.08%
Q2 202614.80%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.06%
Q4 20250.32%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.32%0.41%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.32%
Q4 20240.39%
Q1 20250.36%
Q2 20250.32%
Q3 20250.35%
Q4 20250.34%
Q1 20260.51%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$86.7M14.80%0.00%0.51%43.1%
Q1 202688$87.3M15.08%0.00%0.51%43.4%
Q4 202584$83.2M15.03%0.32%0.34%46.6%
Q3 202586$81.3M15.54%0.06%0.35%47.1%
Q2 202587$82.1M15.53%0.00%0.32%46.1%
Q1 202587$82.2M15.58%0.00%0.36%47.7%
Q4 202487$78.6M16.37%0.00%0.39%48.9%
Q3 202487$77.6M16.56%0.00%0.32%46.8%
Q2 202487$78.5M16.72%0.00%0.38%44.4%

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 ratio14.80%
67th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.51%
27th
Net interest margin1.94%
3rd
Efficiency ratio70.7%
50th
Loans to deposits43.1%
79th
Uninsured deposits8.7%
82nd
Loan-loss reserves0.52%
8th
Texas ratio0.0%
85th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
First Security State BankBank Evansdale, IA58 out of 100, Moderate$87.3M14.9%3.11%vs
The First National Bank of ManningBank Manning, IA91 out of 100, Very strong$87.7M15.0%0.00%vs
The State BankBank Spirit Lake, IA83 out of 100, Strong$88.4M11.7%0.00%vs
Tri-Valley BankBank Randolph, IA36 out of 100, Low$82.8M9.3%4.09%vs
Logan State BankBank Logan, IA69 out of 100, Moderate$92.2M9.1%0.35%vs
Sanborn Savings BankBank Sanborn, IA70 out of 100, Strong$92.7M9.3%0.01%vs

Deposit insurance

Is my money safe at The Watkins Savings Bank?

Yes. The Watkins Savings Bank is an FDIC-insured institution (FDIC certificate #18071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.7% of deposits ($6.5M) 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 14.80%, 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

1 location

Branches

The Watkins Savings Bank lists 1 office in 1 city. Most locations:

  • Watkins, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Watkins Savings Bank
Type
State-chartered bank
FDIC certificate #
18071
RSSD ID
437044
Primary regulator
FDIC
Established
January 1, 1892
Headquarters
202 1st St, Watkins, IA 52354
Employees
7

Quick answers

The Watkins Savings Bank: common questions

Is The Watkins Savings Bank FDIC insured?

Yes. The Watkins Savings Bank is an FDIC-insured institution (FDIC certificate #18071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Watkins Savings Bank's TellerScore?

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

Has The Watkins Savings Bank ever failed?

There is no failure record for FDIC certificate #18071 in the FDIC failed bank list.

How many branches does The Watkins Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Watkins

InstitutionScoreAssetsCapitalProblem loansCompare
Chelsea Savings BankBank Belle Plaine, IA93 out of 100, Very strong$196.9M16.0%0.24%vs
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Benton County State BankBank Blairstown, IA87 out of 100, Very strong$50.8M15.2%0.00%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Farmers Trust & Savings BankBank Williamsburg, IA87 out of 100, Very strong$191.6M23.1%0.34%vs