Side-by-side · Q2 2026 data
The State Bank vs Iowa Trust & Savings Bank
Metric by metric
| Measure | The State Bank | Iowa Trust & Savings Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 63 |
| Capital cushion | 67 (stronger) | 58 |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 67 (stronger) | 50 |
| Funding & liquidity | 100 (stronger) | 51 |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 73rd | 24th |
| Total assets | $88.4M | $522.0M |
| Deposits / shares | $80.3M | $396.4M |
| Capital ratio | 11.73% (stronger) | 10.82% |
| Problem loans | 0.00% (stronger) | 0.79% |
| Net charge-offs | 0.06% (stronger) | 0.34% |
| Return on assets | 1.18% (stronger) | 0.75% |
| Loans ÷ deposits | 52.1% (stronger) | 92.4% |
| Uninsured deposits | 15.4% (stronger) | 29.9% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
The State Bank has the higher TellerScore (83 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The State Bank leads on 7 and Iowa Trust & Savings Bank on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.