# BANK IOWA
WEST DES MOINES, IA · FDIC certificate 14521 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.35B | |
| Deposits | $1.97B | |
| Loans and leases | $1.80B | |
| Total equity | $203.1M | |
| Loans / deposits | 89.91% (p59 of band) | 87.10% |
| Liquid assets / assets | 20.08% (p46 of band) | |
| Uninsured deposits / deposits | 36.32% (p64 of band) | 30.76% |
| Brokered deposits | 4.61% | |
| Wholesale funding | 11.00% (p68 of band) | |
| FHLB advances / assets | 6.03% | |
| Tier 1 leverage | 8.94% (p11 of band) | 10.50% |
| Unrealized securities loss / equity | -14.75% (p29 of band) | -7.75% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 1.30% (p55 of band) | 1.26% |
| Net interest margin | 3.71% (p50 of band) | 3.70% |
| Efficiency ratio | 62.15% (p61 of band) | |
| Noncurrent loans | 1.38% (p81 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p64 of band) | |
| Reserve coverage of noncurrent | 98.38% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 93.73% (p85 of band) | |
| Auto loans | $3.3M (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $211,000 (0% of equity) (p72 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 281 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 2 | capital falling |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 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 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 4 | securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | wholesale funding >15%, capital falling |  |
| 2023-12 | 2 |  | securities losses >30% of equity, wholesale funding >15% |
| 2024-03 | 1 |  | construction >100% equity |
| 2024-06 | 2 | wholesale funding >15% |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | reserve under noncurrent |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling, construction >100% equity | wholesale funding >15% |
| 2025-12 | 1 |  | capital falling, construction >100% equity |
| 2026-03 | 2 | construction >100% equity |  |
| 2026-06 | 1 |  | construction >100% equity |

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

- 2026-09-01 [NBA Veteran Harrison Barnes Buys Bank In His Home State Of Iowa For $25M - afrotech.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX0g0eFdXSFpNVGJfMkFfYXNpVXpQQVBOUndGNXAwSVNrenB3a3JYbkQ3cmVYU0pBQWRNbXkzbjBKTEp6MEhaQi1BWlk3UTludUVhQ3UybndxVVZiSnhfVjc5ZFNGakIyaHZuRjZ5TndNYTd4SGxLZjZUdmhLZmNsSDhBOVNQbnBCNERoMUliU0RtY3IxejQw?oc=5) · afrotech.com
- 2026-05-07 [Bank Iowa names Herrboldt President/CEO in bank’s 50th year - Newton Daily News](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaXFfZVdJcC11OFhOUFU1Y3FkUXM1UjlIa1p3VUNpaFVPYlp4ZFJVUnFsYUJocWFMUWM2QmphUEZjeWRuVjVqaFUtOHRuczhBZFBxZFdrWXVzUFV4X1BiUl9RaDFjQ2lMRFhWSjJJS1FfX2RaSW5wc1FNbHY2c0NSRDdBWUNCcFRSMHRRVzFJc1AwejdHOU1pc3NkX3RqSnZHTFc3RzhBNA?oc=5) · Newton Daily News
- 2026-07-27 [Bank Iowa to celebrate milestones in Clear Lake Friday - globegazette.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPa2E2ZkxOZDZqQk9EM3NKQ3hjMzdvRHhGS2lYbm85NFhzc0dFTzNLZm8zakNsOTBFU29YN0pLeUdWR3V5YXlsemRHQVBKMjhVeVBXaEdib1ZFM2ZpYzRJVVRNU1A3R3M5Szdaek56YlNWbS1acHAtVm00TDZ3ZDR5UUo0U295Y0kyd0RZZFhKWXFvX2hmM0xLQTB3?oc=5) · globegazette.com
- 2026-03-19 [Hy-Vee's Midwest Heritage Bank acquires Carroll-based banking firm - The Des Moines Register](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPLWs2N0RtaXlxZmxTWnFUUGNmR01WUHF5X3A2azNLOU8wMWtfWTZuMUFSQktfdXZibHRzX05GNUV3UnJUaF96THhLX3FxMDZOa0x0TjVsTnBrY3FyMUQzdDRDNm9nTTRZcmc1Nl9XV1c0em5TajRnQms3dUR3YmczNk9vOUtMQnVzdmNkd0tuWEhQUngxWkV3NTdGaHlRMlFxSTdoUEFkRjZvUm0wd1Q1UW1ZSWhFb0ND?oc=5) · The Des Moines Register
- 2025-08-07 [Failed Bank Information for Citizens Bank, Sac City, IA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMilgFBVV95cUxOSjBpV2UzSF8tamhtZ2Jwc2gtRXJnb1BoZG5aQWkwN05TUVlEX2ozd2VvUWVzUVVxbFRiN1o4ODNPdzhmUU9WNFZMX29idTMzMVVmX1htUFIyV01hdW0zMXg5ZHJVdF9saUVmbEhBT3A0OHBrbmJzS0RpMDVlRlZKOENUS1JCaTVUUV9pbDlBN2VldFZvQkE?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2024-03-25 [‘Lax lending practices’ led to Iowa bank’s downfall: FDIC OIG - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSjh5OU5PMnNsYU9rS2wxaVZFTVh4T1ktOTZGbnVvQ1BJcm1FTUwwVFBONFYzWUgyekFOMGhHa1NrV1pVM0hfUzZfZ3ByTzV1dFhjM0pMbEpubTJtcGJ4TDVVSTgxTVo0MDMzU3R3aVUxNHVKWmZXMkp4dF92QnppVzcyTVhSWHJkVkg1VDFRWU95a2Rzd21oQmNXc05MR1lyZjlLZUlaOHo?oc=5) · Banking Dive
- 2025-11-05 [Food Bank of Iowa receives 72,000-pound donation from local church - KCCI](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTS15aWxtUW4wQ1ZXTlczRjlzQ1pjNGZGZWFjaGpIVnYyVkxSYUlYSHRuZkZLQkwzVTdiak1lSHJFcEdTZk0zR0dJMHJXNU01dnRyc2MwcDdwSXVsV3F5bFRTSU9RejBFUkZwS3hVUlRTS1h1bFNWUGQtSmJJNGtlSTU1SjZGUQ?oc=5) · KCCI

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14521 (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/57.json (key "14521", 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