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Iowa Trust & Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 18400

Emmetsburg, IA

4 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 -1.5% year over year ($396.4M on the books).
  • Delinquency rate 0.81%.
  • Return on assets 0.75%.
  • Efficiency ratio 76.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.37% 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 & Savings Bank has 1 strength but faces 6 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

  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 0.1% in tier
  • - Liquidity Strain: Bottom 4.9% in tier
  • - Flatlined Growth: Bottom 10.8% in tier
  • - Capital Thin: Bottom 17.2% in tier
  • - Net Interest Margin 0.41% below tier average
  • - Efficiency Ratio 11.58% above tier average
Get updates when Iowa Trust & 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 ? $522.0M
-1.2% YoY +0.8% QoQ
+$135.4M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $366.2M
-2.1% YoY +0.5% QoQ
+$107.8M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $396.4M
-1.5% YoY +1.0% QoQ
+$69.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 0.75%
-50.7% YoY -2.4% QoQ
-0.57% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 3.57%
+8.9% YoY +1.9% QoQ
-0.41% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 76.06%
+28.1% YoY +0.5% QoQ
+11.58% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.81%
+583.5% YoY +143.1% QoQ
-0.11% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 92.37%
-0.6% YoY -0.5% QoQ
+14.42% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 16.74%
+1.0% YoY -7.5% QoQ
-5.29% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.65%
+32.2% YoY +138.0% QoQ
-0.02% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 10.82%
-10.3% YoY -14.5% QoQ
-5.08% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.09%
-83.6% YoY -1.3% QoQ
-0.48% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
16%

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 16.7%
+0.2pp YoY
-1.4pp QoQ
 -5.4pp 22.1% 17.8% 22.2% 31%
Brokered Deposits 0.0%
-5.7pp YoY
0.0pp QoQ
 -7.8pp 7.9% 6.0% 8.5% 5%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 7.7%
+0.7pp YoY
+0.7pp QoQ
 -3.8pp 11.6% 12.8% 12.5% 38%
CRE 61.7%
-0.7pp YoY
-0.2pp QoQ
 +22.2pp 39.5% 28.3% 41.4% 86%
1-4 Family 9.6%
-1.2pp YoY
-0.1pp QoQ
 -23.1pp 32.6% 23.0% 31.3% 10%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.1% 2.9% 5.0% 15%

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 10.8%
+0.6pp YoY
0.0pp QoQ
 -1.3pp 12.2% 12.4% 12.6% 47%
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 52
+1 (+2.0%) YoY
+1 (+2.0%) QoQ
 -7 58 64 482 56%
Assets per Employee ($) $10.0M
-3.1% YoY
-1.1% QoQ
 +$2.5M $7.5M $8.9M $8.8M 86%
Branch Count 4
0 YoY
0 QoQ
 -1 4 5 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.8%
+0.7pp YoY
+0.7pp QoQ
 +0.4pp 0.3% 0.4% 0.4% 89%
Nonaccrual 0.0%
-0.1pp YoY
-0.2pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 10%
Allowance Coverage 1.74x
-86.1% YoY
-59.6% QoQ
 -22.41x 24.15x 18.97x 20.23x 43%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
-0.3pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 6.6%
-8.2pp YoY
-0.2pp QoQ
 -5.6pp 12.2% 12.8% 11.6% 19%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 70%
Net Income ($, YTD) $2.0M
-52.2% YoY
— QoQ
 -$599K $2.6M $4.0M $40.4M 51%

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 (4)

Margin Compression

decline
#1 of 307 • Bottom 0.1% 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: 0.75%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Liquidity Strain

risk
#35 of 691 • Bottom 4.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.37%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#58 of 529 • Bottom 10.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.75%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Capital Thin

risk
#115 of 661 • Bottom 17.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.82%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

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 (1 metrics)

643
Total Loans
size
Value: $366.17M
Peer Median: $258.35M
#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (5 metrics)

2234
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2234 of 2643 Bottom 15.5% in $100M-$1B
2147
Efficiency Ratio
profitability
Value: 76.06%
Peer Median: 64.48%
#2147 of 2643 Bottom 18.8% in $100M-$1B
2090
Tier 1 Capital Ratio
capital
Value: 10.82%
Peer Median: 15.91%
#2090 of 2643 Bottom 21.0% in $100M-$1B
2088
Return on Assets
profitability
Value: 0.75%
Peer Median: 1.32%
#2088 of 2643 Bottom 21.0% in $100M-$1B
2076
Loan-to-Deposit Ratio
liquidity
Value: 92.37%
Peer Median: 77.95%
#2076 of 2643 Bottom 21.5% in $100M-$1B
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