# IOWA SAVINGS BANK
CARROLL, IA · FDIC certificate 14690 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $295.0M | |
| Deposits | $265.2M | |
| Loans and leases | $149.4M | |
| Total equity | $22.4M | |
| Loans / deposits | 55.57% (p27 of band) | 72.28% |
| Liquid assets / assets | 48.11% (p75 of band) | |
| Uninsured deposits / deposits | 27.06% (p75 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.14% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.35% (p5 of band) | 11.62% |
| Unrealized securities loss / equity | -11.28% (p38 of band) | -7.15% |
| AOCI / equity | -3.71% (p6 of band) | |
| ROA (annualized) | 1.22% (p55 of band) | 1.12% |
| Net interest margin | 2.92% (p12 of band) | 3.86% |
| Efficiency ratio | 60.41% (p34 of band) | |
| Noncurrent loans | 1.33% (p77 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 102.71% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 35.34% (p69 of band) | |
| Auto loans | $635,000 (0.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 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
- 2026-04-04 [Midwest Heritage Bank acquires Iowa Savings Bank - Carroll Times Herald](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZnA5eGZmTEpNQmdfaFlqcGJOUUtCeGRXMnBjd1dFZk83WUJEdkFOMjZtR0EzLUIzbGhoMVJIdE9FZXBvc28tWGpqWjkwS0w5QXlpNXlzRTZLelQ5THFxeG5aU3EycUNvaHFYTG9vSnM4ajh0YXRCejRad1NjV3lkNlNSaXRSWjMtOGJMYjcwQUJBaDRHZHlHcEZJNWhvX1N4eW84ZzZmaGh4a0FCcE1UcUEzUzRBUk5mWGRiQnB4NHRLY2swT2h6TA?oc=5) · Carroll Times Herald
- 2022-12-06 [Pursuit for funds from deceased Lincoln businessman expands to Iowa - Nebraska Examiner](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNGNZS2pBdVR3bElqbkFNcVQ0QUNOZFRlSy12eFRhZDIyRTJac2dyZGlJcnBRaVRhcFJ4Mm9QaENuYlV6M3VkR1pDYU91Q3RhSWRwOXJycEI4SEVoNzJCVU1LdU9xbUlZcnEzMThQVWRIN29oVUlMdzhsMW1YVE1mXzRwMjh3dTZQNHVRNl9KQmZVS3hfVmxBX2NCTlpNZ1EycV9IRDBsb1I5c3NX?oc=5) · Nebraska Examiner
- 2021-07-10 [Arlan Thuesen Andersen Obituary July 10, 2021 - dahlfuneralhome.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vcmtRVTlxZk8zaXV2aTMtOEhNMDZVOXRaQWdTNHFYQ0FXcEVTZ2pyTmo2TkhaN0poTGNDY1lYQXJSQ0NkVndLMHZiUjQ4dnJaOGtJWWZXSlJVTEVncGd4ZEZyanVReEtn?oc=5) · dahlfuneralhome.com
- 2024-06-10 [ISB’s Mike Nelson became a state leader in trust field - Carroll Times Herald](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOeE9icXIxTDhLVWVhakRqWV9wY1lQU2ZSa0c4d1cyQlFVSk1zTVhVemsyVURkNmxyZldqOVBrWldDMGlzMFVqaElOeWNiUUk5M0d4eDRBWC0walBycURlX0ZTNDdyTVRINmpfMVZ6QWNhVXpXUlp3T1FtaDNsSFB4YnJpaUpMRjJKRmdjVDBjUXcwR3YtSGE2Ml95SXI1dG5OVWRIcjhkOTQtQVpocGlaSDIwcTFieThMakhCT1FqQXlfXzY1NWhVOVl1YS1XRWZX?oc=5) · Carroll Times Herald
- 2016-01-27 [Dorothy M Andersen Obituary Jan 27, 2016 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9tekdtRlp6MFNmbEZ4Q1dGU2RlX0tFSGYzbmc5cC1acXl2Szl0MVgxdEZTRTFrTFd5NzFvdG9XdzZBOWdIM3JHTHNYcGw0eE93RW51d0E3a3dNTlZSTE13MDRVMm1teC1FQmVzRg?oc=5) · Dahn &amp; Woodhouse Funeral Home
- 2021-09-29 [Linnea Jeanne Partlow Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9Dc0ZzSTJ0SkJwZjY5N0xnSW9xZk5LQ3ViU3VsNGt4bWE4bnVFSVdYMzJLUmE3ajYxR014bUt5RHVUMjhucFZYUkNPNk5zaWxkU29BZGVFS0VFdkNaNVdHTkdEcTM?oc=5) · The Des Moines Register
- 2022-04-30 [Sheryl Lee Mozena Obituary Apr 30, 2022 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1ZZlhSTTI1eWZ3b2E4aWNCcXBNN2swdWZ5elRINUViWVRoQ21iNnNMSkFpOUFDRWFqV0JMaWl2bXZPNjVnakNqN19UaWZWR3hkMm05eWtzZ3FFUWF1TUZHU1dEODczQ1gt?oc=5) · Dahn &amp; Woodhouse Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14690 (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/34.json (key "14690", 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.

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