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Iowa Falls State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15311

Iowa Falls, IA

2 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +6.8% year over year ($162.8M on the books).
  • Delinquency rate 0.25%.
  • Return on assets 1.19%.
  • Efficiency ratio 52.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Iowa Falls State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.16% above tier average
  • + Efficiency Ratio 12.35% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 28.7% in tier
Get updates when Iowa Falls State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $201.5M
+4.6% YoY -1.3% QoQ
-$185.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $97.6M
+5.8% YoY -1.6% QoQ
-$160.8M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $162.8M
+6.8% YoY +3.3% QoQ
-$163.9M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 1.19%
-19.7% YoY -0.1% QoQ
-0.14% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 4.14%
+2.2% YoY +0.2% QoQ
+0.16% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 52.13%
-4.1% YoY +0.4% QoQ
-12.35% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.25%
-44.5% YoY -5.6% QoQ
-0.66% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 59.93%
-1.0% YoY -4.8% QoQ
-18.02% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 14.50%
-8.9% YoY -13.0% QoQ
-7.53% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.12%
-43.8% YoY -5.9% QoQ
-0.55% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 12.37%
-1.2% YoY +3.9% QoQ
-3.54% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.18%
-20.1% YoY +117.9% QoQ
-0.39% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
43%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 14.5%
-1.4pp YoY
-2.2pp QoQ
 -7.6pp 22.1% 17.8% 22.2% 22%
Brokered Deposits 1.8%
-0.1pp YoY
-0.1pp QoQ
 -6.0pp 7.9% 6.0% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.6%
-3.2pp YoY
-3.2pp QoQ
 -0.9pp 11.6% 12.8% 12.5% 56%
CRE 28.0%
-5.2pp YoY
-1.4pp QoQ
 -11.5pp 39.5% 28.3% 41.4% 31%
1-4 Family 35.6%
+3.8pp YoY
+3.1pp QoQ
 +2.9pp 32.6% 23.0% 31.3% 63%
Consumer 1.5%
-0.3pp YoY
+0.1pp QoQ
 -2.6pp 4.1% 2.9% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 12.4%
-0.2pp YoY
+0.5pp QoQ
 -6.5pp 18.8% 15.4% 19.7% 21%
Leverage Ratio 8.6%
-0.2pp YoY
+0.4pp QoQ
 -3.5pp 12.2% 12.4% 12.6% 8%
Total Capital Ratio 13.2%
-0.2pp YoY
+0.5pp QoQ
 -6.7pp 19.9% 16.5% 20.8% 18%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 30
+1 (+3.4%) YoY
+1 (+3.4%) QoQ
 -29 58 64 482 26%
Assets per Employee ($) $6.7M
+1.1% YoY
-4.6% QoQ
 -$801K $7.5M $8.9M $8.8M 47%
Branch Count 2
0 YoY
0 QoQ
 -3 4 5 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 34%
Allowance Coverage 4.30x
+70.8% YoY
+7.7% QoQ
 -19.85x 24.15x 18.97x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 7.8%
-1.7pp YoY
0.0pp QoQ
 -4.4pp 12.2% 12.8% 11.6% 25%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 71%
Net Income ($, YTD) $1.2M
-14.3% YoY
— QoQ
 -$1.4M $2.6M $4.0M $40.4M 33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#89 of 307 • Bottom 28.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.19%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

455
Loan-to-Deposit Ratio
liquidity
Value: 59.93%
Peer Median: 77.95%
#455 of 2643 Top 17.2% in $100M-$1B
557
Efficiency Ratio
profitability
Value: 52.13%
Peer Median: 64.48%
#557 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (3 metrics)

2168
Total Loans
size
Value: $97.56M
Peer Median: $258.35M
#2168 of 2643 Bottom 18.0% in $100M-$1B
2058
Non-Interest-Bearing Deposit Share
funding
Value: 14.50%
Peer Median: 22.03%
#2058 of 2643 Bottom 22.2% in $100M-$1B
1992
Total Deposits
size
Value: $162.79M
Peer Median: $326.73M
#1992 of 2643 Bottom 24.7% in $100M-$1B
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