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Iowa Trust and Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 1547

Centerville, 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 -0.7% year over year ($142.1M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.68%.
  • Efficiency ratio 54.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.68% 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 Trust and Savings Bank has 3 strengths but faces 2 concerns

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

  • + Credit Quality Leader: Top 15.9% in tier
  • + ROA 0.36% above tier average
  • + Efficiency Ratio 9.92% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.0% in tier
  • - Net Interest Margin 0.28% below tier average
Get updates when Iowa Trust and Savings 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 ? $210.6M
+6.1% YoY -0.4% QoQ
-$176.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $90.5M
-1.5% YoY -0.1% QoQ
-$167.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
15%
Total Deposits ? $142.1M
-0.7% YoY -4.0% QoQ
-$184.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.68%
-6.5% YoY +1.5% QoQ
+0.36% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
75%
Net Interest Margin ? 3.70%
-2.9% YoY +1.5% QoQ
-0.28% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 54.56%
+3.0% YoY -0.6% QoQ
-9.92% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.01%
-60.5% QoQ
-0.90% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 63.68%
-0.9% YoY +4.0% QoQ
-14.27% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 24.14%
+24.2% YoY -6.9% QoQ
+2.10% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.01%
-60.5% QoQ
-0.66% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 12.9% in tier
Tier 1 Capital Ratio ? 13.46%
+2.3% YoY -2.9% QoQ
-2.45% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.13%
-8.1% YoY +100.0% QoQ
-0.44% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
28%

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 24.1%
+4.7pp YoY
-1.8pp QoQ
 +2.0pp 22.1% 17.8% 22.2% 63%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 5.8%
-6.5pp YoY
-0.4pp QoQ
 -5.7pp 11.6% 12.8% 12.5% 25%
CRE 11.9%
+5.0pp YoY
-1.3pp QoQ
 -27.7pp 39.5% 28.3% 41.4% 7%
1-4 Family 16.7%
+2.4pp YoY
+0.8pp QoQ
 -15.9pp 32.6% 23.0% 31.3% 23%
Consumer 2.9%
0.0pp YoY
0.0pp QoQ
 -1.2pp 4.1% 2.9% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 13.5%
+0.3pp YoY
-0.4pp QoQ
 +1.3pp 12.2% 12.4% 12.6% 78%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 26
-2 (-7.1%) YoY
0 QoQ
 -33 58 64 482 21%
Assets per Employee ($) $8.1M
+14.3% YoY
-0.4% QoQ
 +$582K $7.5M $8.9M $8.8M 69%
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 0.0%
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 4%
Allowance Coverage 107.08x
+154.4% QoQ
 +82.92x 24.15x 18.97x 20.23x 96%
Net Charge-off Rate (YTD) 0.1%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 15.6%
-3.7pp YoY
+0.4pp QoQ
 +3.4pp 12.2% 12.8% 11.6% 71%
Cost of Funds (YTD) 1.3%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 22%
Net Income ($, YTD) $1.7M
-4.9% YoY
— QoQ
 -$812K $2.6M $4.0M $40.4M 47%

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 (1)

Credit Quality Leader

growth
#106 of 659 • Top 15.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#38 of 1256 • Bottom 3.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 (3 metrics)

343
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#343 of 2643 Top 12.9% in $100M-$1B
399
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#399 of 2633 Top 15.1% in $100M-$1B
579
Loan-to-Deposit Ratio
liquidity
Value: 63.68%
Peer Median: 77.95%
#579 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (2 metrics)

2246
Total Loans
size
Value: $90.46M
Peer Median: $258.35M
#2246 of 2643 Bottom 15.1% in $100M-$1B
2144
Total Deposits
size
Value: $142.05M
Peer Median: $326.73M
#2144 of 2643 Bottom 18.9% in $100M-$1B
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