Headquartered in South English, Iowa, White State Bank is a state-chartered bank with $109.0M in total assets and $96.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1908.
White State Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 114th. Funding & liquidity contributes the most (92/100, 39% loans-to-deposits, 22% uninsured); loan quality contributes the least (56/100, 1.31%).
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 10 points (83 → 73), mostly because the loan quality component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 78 |
| Q4 2024 | 81 |
| Q1 2025 | 71 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 84 |
| Q1 2026 | 75 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.58% |
| Q3 2024 | 10.58% |
| Q4 2024 | 10.79% |
| Q1 2025 | 10.69% |
| Q2 2025 | 11.26% |
| Q3 2025 | 11.38% |
| Q4 2025 | 11.55% |
| Q1 2026 | 11.12% |
| Q2 2026 | 11.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.96% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.26% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $109.0M | 11.16% | 1.31% | 1.62% | 38.8% |
| Q1 2026 | 75 | $103.5M | 11.12% | 0.96% | 1.48% | 39.5% |
| Q4 2025 | 84 | $105.3M | 11.55% | 0.00% | 1.40% | 39.9% |
| Q3 2025 | 83 | $98.1M | 11.38% | 0.00% | 1.34% | 42.9% |
| Q2 2025 | 83 | $98.9M | 11.26% | 0.00% | 1.32% | 41.6% |
| Q1 2025 | 71 | $99.6M | 10.69% | 0.96% | 1.20% | 40.1% |
| Q4 2024 | 81 | $100.1M | 10.79% | 0.00% | 1.30% | 40.7% |
| Q3 2024 | 78 | $100.8M | 10.58% | 0.27% | 1.37% | 40.3% |
| Q2 2024 | 80 | $100.3M | 10.58% | 0.00% | 1.26% | 38.2% |
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 |
|---|---|---|---|---|---|
| FNNB BankBank Newton, IA | 70 out of 100, Strong | $109.5M | 9.7% | 0.55% | vs |
| Maynard Savings BankBank Maynard, IA | 83 out of 100, Strong | $108.4M | 15.1% | 1.00% | vs |
| Security State BankBank Algona, IA | 72 out of 100, Strong | $109.8M | 27.3% | 2.14% | vs |
| Breda Savings BankBank Breda, IA | 82 out of 100, Strong | $106.0M | 10.9% | 0.00% | vs |
| Sibley State BankBank Sibley, IA | 77 out of 100, Strong | $104.4M | 11.0% | 0.46% | vs |
| First Community BankBank Newell, IA | 64 out of 100, Moderate | $115.7M | 9.4% | 1.32% | vs |
Deposit insurance
Is my money safe at White State Bank?
Yes. White State Bank is an FDIC-insured institution (FDIC certificate #8519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.2% of deposits ($21.4M) 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 11.16%, 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%).
3 locations
Branches
White State Bank lists 3 offices in 3 cities. Most locations:
- Crawfordsville, IA (1)
- South English, IA (1)
- Wayland, IA (1)
Identity & history
Profile
- Legal name
- White State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8519
- RSSD ID
- 359744
- Primary regulator
- FDIC
- Holding company
- Country Bcorp
- Established
- January 1, 1908
- Headquarters
- 209 Ives Street, South English, IA 52335
- Website
- www.whitestatebank.com
- Employees
- 11
Quick answers
White State Bank: common questions
Is White State Bank FDIC insured?
Yes. White State Bank is an FDIC-insured institution (FDIC certificate #8519). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is White State Bank'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 White State Bank ever failed?
There is no failure record for FDIC certificate #8519 in the FDIC failed bank list.
How many branches does White State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near South English
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| Farmers Trust & Savings BankBank Williamsburg, IA | 87 out of 100, Very strong | $191.6M | 23.1% | 0.34% | vs |
| Hills Bank and Trust CompanyBank Hills, IA | 84 out of 100, Strong | $4.8B | 13.4% | 0.40% | vs |
| Federation BankBank Washington, IA | 83 out of 100, Strong | $155.8M | 10.5% | 0.20% | vs |
| Washington State BankBank Washington, IA | 78 out of 100, Strong | $601.1M | 12.5% | 0.49% | vs |
| South Ottumwa Savings BankBank Ottumwa, IA | 77 out of 100, Strong | $565.4M | 13.0% | 0.83% | vs |