United Bank of Iowa is a state-chartered bank headquartered in Ida Grove, Iowa, in business for about 94 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.0B in deposits, with 38 offices.
Based on its Q2 2026 filing, United Bank of Iowa scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 108th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (53/100; 10.34%).
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 3 points (70 → 73), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.51% |
| Q3 2024 | 9.57% |
| Q4 2024 | 9.58% |
| Q1 2025 | 9.80% |
| Q2 2025 | 9.78% |
| Q3 2025 | 10.14% |
| Q4 2025 | 10.08% |
| Q1 2026 | 10.41% |
| Q2 2026 | 10.34% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $2.5B | 10.34% | 0.26% | 1.29% | 84.4% |
| Q1 2026 | 73 | $2.5B | 10.41% | 0.30% | 1.25% | 82.3% |
| Q4 2025 | 72 | $2.5B | 10.08% | 0.28% | 1.17% | 83.2% |
| Q3 2025 | 71 | $2.5B | 10.14% | 0.27% | 1.06% | 82.6% |
| Q2 2025 | 70 | $2.4B | 9.78% | 0.36% | 1.05% | 83.5% |
| Q1 2025 | 70 | $2.5B | 9.80% | 0.30% | 0.92% | 79.3% |
| Q4 2024 | 68 | $2.4B | 9.58% | 0.30% | 0.83% | 82.2% |
| Q3 2024 | 67 | $2.5B | 9.57% | 0.33% | 0.73% | 80.6% |
| Q2 2024 | 66 | $2.4B | 9.51% | 0.38% | 0.78% | 82.8% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Fidelity Bank & TrustBank Dubuque, IA | 55 out of 100, Moderate | $2.6B | 9.0% | 1.26% | vs |
| Bank IowaBank West Des Moines, IA | 54 out of 100, Below average | $2.3B | 8.9% | 1.38% | vs |
| Luana Savings BankBank Luana, IA | 70 out of 100, Strong | $2.3B | 9.7% | 0.11% | vs |
| Central BankBank Storm Lake, IA | 65 out of 100, Moderate | $2.3B | 10.1% | 0.32% | vs |
| Quad City Bank and Trust CompanyBank Bettendorf, IA | 70 out of 100, Strong | $2.8B | 11.0% | 0.51% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
Deposit insurance
Is my money safe at United Bank of Iowa?
Yes. United Bank of Iowa is an FDIC-insured institution (FDIC certificate #958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.2% of deposits ($357.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.34%, 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%).
38 locations
Branches
United Bank of Iowa lists 36 offices in 36 cities. Most locations:
- Alta, IA (1)
- Anthon, IA (1)
- Arthur, IA (1)
- Aurelia, IA (1)
- Battle Creek, IA (1)
- Boone, IA (1)
- Carroll, IA (1)
- Charter Oak, IA (1)
- Churdan, IA (1)
- Cleghorn, IA (1)
- Cushing, IA (1)
- Denison, IA (1)
HMDA 2025
Mortgage lending
In 2025, United Bank of Iowa reported 517 home-loan applications under HMDA (LEI 2549002OCMCJIOOONI88): 351 originated ($55,405,000 total), 96 denied, and 68 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.4%, 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
- United Bank of Iowa
- Former names
- Ida County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 958
- RSSD ID
- 738040
- Primary regulator
- FDIC
- Holding company
- Ida Grove Bancshares Inc
- Established
- February 4, 1932
- Headquarters
- 501 2nd St, Ida Grove, IA 51445
- Website
- www.unitedbk.bank
- Employees
- 300
Quick answers
United Bank of Iowa: common questions
Is United Bank of Iowa FDIC insured?
Yes. United Bank of Iowa is an FDIC-insured institution (FDIC certificate #958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank of Iowa's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Bank of Iowa ever failed?
There is no failure record for FDIC certificate #958 in the FDIC failed bank list.
How many branches does United Bank of Iowa have?
38 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ida Grove
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens First National Bank of Storm LakeBank Storm Lake, IA | 99 out of 100, Very strong | $256.5M | 15.9% | 0.03% | vs |
| FNB BankBank Fontanelle, IA | 91 out of 100, Very strong | $274.6M | 14.5% | 0.02% | vs |
| First Security BankBank Mapleton, IA | 86 out of 100, Very strong | $65.2M | 12.3% | 0.00% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| Community BankBank Dunlap, IA | 76 out of 100, Strong | $138.3M | 11.0% | 0.28% | vs |