TellerScore

Twin Cedars Bank is a state-chartered bank headquartered in Bussey, Iowa, in business for about 95 years. At the end of Q2 2026 it reported $118.3M in total assets and $104.7M in deposits, with 4 offices.

Twin Cedars Bank has a TellerScore of 29 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 224th. Funding & liquidity contributes the most (76/100, 84% loans-to-deposits, 9% uninsured); earnings contributes the least (0/100, -2.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.19%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.61%
Earnings0/100
Return on assets (annualized): -2.34%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 84.3% · 8.7% uninsured
Problem-loan coverage46/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 27.14%

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 26 points (55 → 29), mostly because the earnings component weakened by 47 points.

TellerScore
295274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202464
Q4 202458
Q1 202563
Q2 202555
Q3 202552
Q4 202550
Q1 202634
Q2 202629
Tier 1 leverage ratio
5.00%9.11%13.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.21%
Q3 202412.99%
Q4 202411.59%
Q1 202511.58%
Q2 202511.43%
Q3 202510.90%
Q4 202510.94%
Q1 202610.79%
Q2 20269.19%
Noncurrent loans
0.38%2.50%4.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20241.00%
Q4 20241.20%
Q1 20251.04%
Q2 20251.93%
Q3 20251.69%
Q4 20251.98%
Q1 20264.17%
Q2 20264.61%
Return on assets
-2.34%-0.83%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.14%
Q4 20240.17%
Q1 20250.59%
Q2 20250.68%
Q3 20250.26%
Q4 20250.31%
Q1 2026-0.34%
Q2 2026-2.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202629$118.3M9.19%4.61%-2.34%84.3%
Q1 202634$117.2M10.79%4.17%-0.34%92.4%
Q4 202550$122.0M10.94%1.98%0.31%92.3%
Q3 202552$121.1M10.90%1.69%0.26%96.3%
Q2 202555$113.3M11.43%1.93%0.68%93.4%
Q1 202563$112.0M11.58%1.04%0.59%94.1%
Q4 202458$107.9M11.59%1.20%0.17%92.0%
Q3 202464$101.3M12.99%1.00%0.14%95.7%
Q2 202474$89.8M13.21%0.38%0.63%101.6%

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 ratio9.19%
15th
Total risk-based capital14.21%
63rd
Problem loans4.61%
3rd
Net charge-offs1.84%
1st
Return on assets-2.34%
1st
Net interest margin3.97%
52nd
Efficiency ratio108.2%
1st
Loans to deposits84.3%
40th
Uninsured deposits8.7%
95th
Loan-loss reserves2.88%
98th
Texas ratio27.1%
3rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Security State BankBank Radcliffe, IA44 out of 100, Below average$119.0M8.3%2.88%vs
United Bank & Trust Co.Bank Marshalltown, IA63 out of 100, Moderate$120.1M10.5%1.57%vs
First Community BankBank Newell, IA64 out of 100, Moderate$115.7M9.4%1.32%vs
Solon State BankBank Solon, IA45 out of 100, Below average$122.5M23.0%11.69%vs
Farmers and Merchants Savings BankBank Iowa City, IA83 out of 100, Strong$122.5M13.6%0.00%vs
Pocahontas State BankBank Pocahontas, IA71 out of 100, Strong$122.6M26.4%1.93%vs

Deposit insurance

Is my money safe at Twin Cedars Bank?

Yes. Twin Cedars Bank is an FDIC-insured institution (FDIC certificate #1556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.7% of deposits ($9.2M) 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 9.19%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.21% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Twin Cedars Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Twin Cedars Bank reported 30 home-loan applications under HMDA (LEI 2549008VBYJ5IEXJDR42): 27 originated ($9,155,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, 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
Twin Cedars Bank
Former names
State Bank of Bussey
Type
State-chartered bank
FDIC certificate #
1556
RSSD ID
750444
Primary regulator
FDIC
Holding company
Twin Cedars Bcorp Inc
Established
March 27, 1931
Headquarters
402 Merrill St, Bussey, IA 50044
Employees
21

Quick answers

Twin Cedars Bank: common questions

Is Twin Cedars Bank FDIC insured?

Yes. Twin Cedars Bank is an FDIC-insured institution (FDIC certificate #1556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Twin Cedars Bank's TellerScore?

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

Has Twin Cedars Bank ever failed?

There is no failure record for FDIC certificate #1556 in the FDIC failed bank list.

How many branches does Twin Cedars Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bussey

InstitutionScoreAssetsCapitalProblem loansCompare
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
South Ottumwa Savings BankBank Ottumwa, IA77 out of 100, Strong$565.4M13.0%0.83%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
First State BankBank Lynnville, IA75 out of 100, Strong$384.2M9.8%0.21%vs
Leighton State BankBank Pella, IA74 out of 100, Strong$298.2M11.0%0.79%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs