West Iowa Bank (FDIC certificate #9105) is based in West Bend, Iowa. Its Q2 2026 call report shows $222.1M in total assets and $183.0M in deposits and 6 offices.
West Iowa Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 49th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (69/100, 11.89%).
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 fell 9 points (91 → 82), mostly because the capital cushion component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 91 |
| Q3 2025 | 91 |
| Q4 2025 | 93 |
| Q1 2026 | 92 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.43% |
| Q3 2024 | 14.54% |
| Q4 2024 | 15.55% |
| Q1 2025 | 15.80% |
| Q2 2025 | 16.05% |
| Q3 2025 | 16.81% |
| Q4 2025 | 17.04% |
| Q1 2026 | 17.18% |
| Q2 2026 | 11.89% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $222.1M | 11.89% | 0.01% | 1.25% | 70.8% |
| Q1 2026 | 92 | $169.3M | 17.18% | 0.00% | 1.27% | 68.8% |
| Q4 2025 | 93 | $169.6M | 17.04% | 0.00% | 1.46% | 71.3% |
| Q3 2025 | 91 | $162.4M | 16.81% | 0.00% | 1.20% | 68.1% |
| Q2 2025 | 91 | $166.0M | 16.05% | 0.01% | 1.16% | 67.7% |
| Q1 2025 | 88 | $172.5M | 15.80% | 0.31% | 1.14% | 65.3% |
| Q4 2024 | 89 | $171.1M | 15.55% | 0.27% | 1.22% | 66.4% |
| Q3 2024 | 88 | $173.5M | 14.54% | 0.27% | 1.25% | 65.8% |
| Q2 2024 | 87 | $179.0M | 14.43% | 0.26% | 1.24% | 68.0% |
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 |
|---|---|---|---|---|---|
| Farmers State BankBank Northwood, IA | 74 out of 100, Strong | $221.4M | 12.7% | 0.77% | vs |
| WCF Financial BankBank Webster City, IA | 23 out of 100, Low | $224.4M | 8.3% | 5.11% | vs |
| Blue Grass Savings BankBank Blue Grass, IA | 89 out of 100, Very strong | $225.5M | 14.3% | 0.34% | vs |
| BankBank Wapello, IA | 60 out of 100, Moderate | $217.4M | 8.7% | 0.78% | vs |
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |
| United Bank and Trust CompanyBank Hampton, IA | 97 out of 100, Very strong | $228.4M | 14.8% | 0.00% | vs |
Deposit insurance
Is my money safe at West Iowa Bank?
Yes. West Iowa Bank is an FDIC-insured institution (FDIC certificate #9105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.5% of deposits ($42.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.89%, 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%).
6 locations
Branches
West Iowa Bank lists 6 offices in 6 cities. Most locations:
- Algona, IA (1)
- Bode, IA (1)
- Fenton, IA (1)
- Laurens, IA (1)
- Royal, IA (1)
- West Bend, IA (1)
Identity & history
Profile
- Legal name
- West Iowa Bank
- Former names
- Iowa State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9105
- RSSD ID
- 137643
- Primary regulator
- FDIC
- Holding company
- West Bend Bcorp
- Established
- January 1, 1926
- Headquarters
- 319 S Broadway Ave, West Bend, IA 50597
- Website
- www.westiowabank.com
- Employees
- 23
Quick answers
West Iowa Bank: common questions
Is West Iowa Bank FDIC insured?
Yes. West Iowa Bank is an FDIC-insured institution (FDIC certificate #9105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Iowa Bank's TellerScore?
82 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 West Iowa Bank ever failed?
There is no failure record for FDIC certificate #9105 in the FDIC failed bank list.
How many branches does West Iowa Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Bend
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |
| Farmers State BankBank Algona, IA | 76 out of 100, Strong | $150.5M | 12.7% | 0.91% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |
| Iowa State BankBank Algona, IA | 73 out of 100, Strong | $470.7M | 11.2% | 0.15% | vs |