# IOWA STATE BANK
HULL, IA · FDIC certificate 13953 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.26B | |
| Deposits | $873.0M | |
| Loans and leases | $904.5M | |
| Total equity | $137.2M | |
| Loans / deposits | 102.38% (p90 of band) | 87.10% |
| Liquid assets / assets | 22.68% (p57 of band) | |
| Uninsured deposits / deposits | 24.38% (p28 of band) | 30.76% |
| Brokered deposits | 4.40% | |
| Wholesale funding | 23.36% (p92 of band) | |
| FHLB advances / assets | 8.75% | |
| Tier 1 leverage | 11.72% (p73 of band) | 10.50% |
| Unrealized securities loss / equity | -18.35% (p23 of band) | -7.75% |
| AOCI / equity | 0.36% (p90 of band) | |
| ROA (annualized) | 1.60% (p73 of band) | 1.26% |
| Net interest margin | 3.68% (p48 of band) | 3.70% |
| Efficiency ratio | 45.75% (p14 of band) | |
| Noncurrent loans | 0.06% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 1901.77% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 22.32% (p20 of band) | |
| Auto loans | $3.9M (0.43% of loans; DQ 1.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 109 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 4 | loans exceed deposits, capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 0 |  | loans exceed deposits, capital falling, deposits shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | loans exceed deposits |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, reserve under noncurrent |  |
| 2020-06 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | wholesale funding >15% |  |
| 2023-12 | 1 |  | wholesale funding >15% |
| 2024-03 | 2 | wholesale funding >15% |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 3 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity, capital falling |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 5 | uninsured deposits leaving |  |
| 2025-06 | 3 |  | noncurrent p90, securities losses >30% of equity |
| 2025-09 | 2 |  | reserve under noncurrent |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | uninsured deposits leaving |
| 2026-06 | 2 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-01 [Winkel excited for new role as Iowa State Bank branch manager - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOYTBXMExnTExTMjdfcWFlcGRaWktIZWlRNWQ5eWk1LWJ6VjZZbFJwYkJsZ2t6TDBZMGF1WVlINWY3VVlKVlAxNDFaYlRIdl8wTkJkN0tld3J6VDBxM0N1a1lsZ2Etbzl3Z2lJOFpjZkhZdlk0aHZZNWoyVHdVSVdUNUU5OFZFTEtLX3pQdGhkbjA5V01ZSFBvQ003ZlBzNTN3bVdVMU1WUzgzaDNBUUVrU3ZlWTEtNkxRcGlyVld2NlVaekx6RGlzcWY2d0FMdWRZSEozdHA4VjNXcUdoUzhn?oc=5) · The N'West Iowa REVIEW
- 2025-12-26 [Kleinwolterink retires after 26 years at Iowa State Bank - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQVEJ6OEctSWEwaE1SZGN0RGE1c3JTRkZpZEV0T3dlQTNqWnVpajFvOVJ3M0p5ejVDMUVQLXIxeUl3X0w2THpFQ280bVVYaWlaN2lsZnpzWko0cVRMdUtwYVROUjJCZTM5RzV3elFaMHFKdnVlb2RKX3NEZjBxSWhmR0JWano2dXQ4MkJoV2l2dEtaMlFJbS1UaGJTemF2dXVlYm9PN04wLVZDTDgxZFZLb2NpUGdKQUVzV0ZuaG5JS05FRENMbWN5d280WFpvb0ZkSmZjV2YzUkU?oc=5) · The N'West Iowa REVIEW
- 2023-09-19 [Chicago man gets 8 years in prison for robbing a bank in Sheldon, IA - KTIV](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNzIwZnRKX2FfR05Va2ZkYzU1R1NCRXYtNmVKRmxhWGp4M3g1NHoyVVAtUFMzTFUyNllFby1POW1TMEx2TXZ4M1ktUjNUdXh5ZWFLVk1WQ0IwbkhaV1RfRFQtMjlFcHhKRkVjcFRJeGx0TV8tTzNXYW41U3RMNElpd1F6WdIBlwFBVV95cUxNYkh0RTZYMHFGQ1JLS2tXN0FVM3RjR1p1LURGUE9PWFJqS0hxaWhLVTB4dEZidDR3VjNKNDRiNmhjWDZNbkZWc0RDR2tRMEtvRHFJS2ZKNkdDLWhOeGtKa183UUxXQWFlblJoWTA3Vm92WVdHcThIREIyQ09BbFZ5S2poMENLTXhpV0dvb0RBTEpyeWtmNWRn?oc=5) · KTIV
- 2022-08-15 [John C. Burgeson Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBsSXAyVzJUS2ZZTXpkaUpUa19Qemt5NEU5c0JVc2RSc3JpaFJjMjJTRkM5WFhITldNQWpqV0FSbGVaYmE0bU9tSXNXVS1RRjc3VXZBVkU0Q3JJMVJkbFduOHRsM2c?oc=5) · The Des Moines Register
- 2022-03-19 [Local bank holding company earnings strong; Vitzthum named chairman at annual meeting - Messenger News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNZ25JaWQ3UjFkeUJFeUJSQUxqWDc5RDhuREhuVTZqLVZmUmVXVGlyb3hETVplRUVqcTROODZSUFlpdmx0Q1V6RTBlX3BJVDN5OWkxeUJMLXdjbHVvWGtjc002SGhMUUcyellZSjlvc3RHTWw0TWhHSWhma08td3hrUmMtOFp4d0VLOURaWGlGNExndjZjVDVNOU0yYUctSmhxdW1xbXdDTnBNTkYxeER5SjZHSVhVaVNlczBJMnNxd1JYR2F0d2Q3a0ZUNU90NGNZQ250Y1BjaVE5bkhC?oc=5) · Messenger News
- 2023-10-03 [Marilyn Marie Osterhout Obituary - The Ames Tribune](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5nQ0FSa0FhYWNBblpNQW81MzhaQ1Q5MHBmR1hwYTk0SEJYV0c2cUZPeVZaVFVSdWZQTlh6YjE1eWpERXZvZ1Q1aDdGemtQMFExaUhjdWhleXZOR0E?oc=5) · The Ames Tribune
- 2007-06-19 [Charles Wendell Eastburn Obituary Jun 19, 2007 - Behner Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBxTTY1eXA2UUk1bGxSODNNYzVuWWJKYVRDZUVFb1VldG52M1V6U0F0MXJ6Z1VIX1UwRkJaYVBRb1RZcndNMlNKR2p2YWRJZEZSLTItZnRTWXhRZVVTWG1uX1Fn?oc=5) · Behner Funeral Home & Crematory
- 2022-02-22 [Kelsey Peed Obituary Apr 1, 2016 - Porter Family Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1GbVpyZnlTcTdNZTIyZ181TkhhdWgzd19WNkFqYUJrMTdwTTZ0RHpkYzU2eWljaHpFbXYtSWc4RC1jQ0tLRjNsWVBKVzlaeWhndWdsZWJ4M0hycVk5MjVQSkRySThIMHhD?oc=5) · Porter Family Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13953 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "13953", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide