Side-by-side · Q2 2026 data
Kerndt Brothers Savings Bank vs Iowa State Bank and Trust Company of Fairfield, Iowa
Bank
Iowa State Bank and Trust Company of Fairfield, Iowa
Fairfield, Iowa · $100 million – $1 billion
Metric by metric
| Measure | Kerndt Brothers Savings Bank | Iowa State Bank and Trust Company of Fairfield, Iowa |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 59 (stronger) | 30 |
| Loan quality | 78 | 97 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 86 (stronger) | 48 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 75th | 26th |
| Total assets | $347.2M | $352.1M |
| Deposits / shares | $282.8M | $300.9M |
| Capital ratio | 10.88% (stronger) | 8.01% |
| Problem loans | 0.65% | 0.10% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.48% (stronger) | 1.24% |
| Loans ÷ deposits | 71.5% (stronger) | 83.3% |
| Uninsured deposits | 17.3% (stronger) | 40.7% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | — |
Kerndt Brothers Savings Bank has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Kerndt Brothers Savings Bank leads on 6 and Iowa State Bank and Trust Company of Fairfield, Iowa on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.