TellerScore

TruBank (FDIC certificate #25267) is based in Indianola, Iowa. Its Q2 2026 call report shows $494.6M in total assets and $366.1M in deposits and 8 offices.

Based on its Q2 2026 filing, TruBank scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 204th. Its strongest component is problem-loan coverage (79/100; 10.6%), and its lowest is capital cushion (42/100; 9.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.23%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.33%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 77.9% · 34.2% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.62%

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 (53 → 56), mostly because the loan quality component improved by 20 points.

TellerScore
535863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202463
Q4 202463
Q1 202556
Q2 202553
Q3 202556
Q4 202554
Q1 202656
Q2 202656
Tier 1 leverage ratio
5.00%7.49%9.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.70%
Q3 20249.98%
Q4 20249.58%
Q1 20259.32%
Q2 20259.32%
Q3 20259.54%
Q4 20259.10%
Q1 20269.32%
Q2 20269.23%
Noncurrent loans
0.59%1.26%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.64%
Q4 20240.59%
Q1 20251.36%
Q2 20251.93%
Q3 20251.61%
Q4 20251.41%
Q1 20261.43%
Q2 20261.33%
Return on assets
0.61%0.97%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.64%
Q4 20240.74%
Q1 20250.94%
Q2 20251.33%
Q3 20251.32%
Q4 20251.27%
Q1 20261.20%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$494.6M9.23%1.33%1.09%77.9%
Q1 202656$487.5M9.32%1.43%1.20%79.1%
Q4 202554$483.6M9.10%1.41%1.27%81.4%
Q3 202556$456.8M9.54%1.61%1.32%86.4%
Q2 202553$476.5M9.32%1.93%1.33%82.5%
Q1 202556$455.1M9.32%1.36%0.94%79.7%
Q4 202463$434.3M9.58%0.59%0.74%81.4%
Q3 202463$420.9M9.98%0.64%0.64%81.0%
Q2 202461$416.2M9.70%0.64%0.61%84.0%

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).

Capital ratio9.23%
16th
Total risk-based capital0.00%
24th
Problem loans1.33%
21st
Net charge-offs0.00%
56th
Return on assets1.09%
40th
Net interest margin3.69%
36th
Efficiency ratio57.3%
66th
Loans to deposits77.9%
53rd
Uninsured deposits34.2%
18th
Loan-loss reserves1.25%
56th
Texas ratio10.6%
17th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Security State BankBank Sutherland, IA77 out of 100, Strong$492.3M11.1%0.23%vs
Grinnell State BankBank Grinnell, IA67 out of 100, Moderate$498.6M11.9%0.47%vs
Ohnward Bank & TrustBank Cascade, IA74 out of 100, Strong$499.1M12.6%0.60%vs
Raccoon Valley BankBank Perry, IA66 out of 100, Moderate$486.0M9.6%0.74%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
American Bank and Trust Company, National AssociationBank Davenport, IA61 out of 100, Moderate$480.9M10.1%0.86%vs

Deposit insurance

Is my money safe at TruBank?

Yes. TruBank is an FDIC-insured institution (FDIC certificate #25267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.2% of deposits ($125.3M) 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 9.23%, 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

8 locations

Branches

TruBank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TruBank reported 98 home-loan applications under HMDA (LEI 254900AKNL0HLB9M9B52): 87 originated ($16,325,000 total), 4 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, 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.

Identity & history

Profile

Legal name
TruBank
Former names
Community Bank; Community State Bank; Farmers and Miners State Bank
Type
State-chartered bank
FDIC certificate #
25267
RSSD ID
862141
Primary regulator
FDIC
Holding company
Community Bancshares Corp
Established
January 1, 1883
Headquarters
1401 N Jefferson Way, Indianola, IA 50125
Employees
55

Quick answers

TruBank: common questions

Is TruBank FDIC insured?

Yes. TruBank is an FDIC-insured institution (FDIC certificate #25267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TruBank's TellerScore?

56 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 TruBank ever failed?

There is no failure record for FDIC certificate #25267 in the FDIC failed bank list.

How many branches does TruBank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Indianola

InstitutionScoreAssetsCapitalProblem loansCompare
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs