# IOWA FALLS STATE BANK
IOWA FALLS, IA · FDIC certificate 15311 · asset band <$300M · latest filing 2026-06 · live

**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 | $201.5M | |
| Deposits | $162.8M | |
| Loans and leases | $98.6M | |
| Total equity | $30.6M | |
| Loans / deposits | 59.93% (p30 of band) | 73.59% |
| Liquid assets / assets | 42.30% (p67 of band) | |
| Uninsured deposits / deposits | 20.57% (p53 of band) | 19.81% |
| Brokered deposits | 1.49% | |
| Wholesale funding | 4.54% (p72 of band) | |
| FHLB advances / assets | 3.05% | |
| Tier 1 leverage | 8.64% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -0.88% (p79 of band) | -6.57% |
| AOCI / equity | -2.71% (p7 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.17% |
| Net interest margin | 4.14% (p62 of band) | 3.93% |
| Efficiency ratio | 52.13% (p17 of band) | |
| Noncurrent loans | 0.25% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 430.24% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 11.59% (p41 of band) | |
| Auto loans | $1.0M (1.05% of loans; DQ 1.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 1 | uninsured deposits leaving | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 3 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 1 | reserve under noncurrent | charge-offs p90, uninsured deposits leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 4 | capital falling, losing money |  |
| 2020-06 | 3 | noncurrent p90 | capital falling, losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 | reserve under noncurrent | capital falling |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | leverage <7%, leverage <5%, losing money, NIM <2.5% | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 |  | leverage <5% |
| 2023-09 | 0 |  | leverage <7%, losing money, NIM <2.5% |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-07-15 [First look at Iowa Falls State Bank's facelift - Times-Citizen Communications](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPd0FYeXdfMGdHREdLdXBscmlPeHY4WGxJQ0FWd2RIV1RGVi1STUpEamllRFAtUFZQTzBzZ0RKakh4d3JZZTdQT1g1am1keVA5QjlNTzAwODNfOG1VcnNCb3NHSUxXWlpJd1pGeEdTYkJYN24zTzZUS1l0SGNDWl9XOU9udHlGb3F3bzY5SmdxbHhUMThvVWxlYjdKS1VWazMwNEFvNU9WLVRyd0N6XzE1ejlmdlNrVnZlMEYxbUE2ZWpFeFI4bTFUUg?oc=5) · Times-Citizen Communications
- 2026-02-18 [Evelyn Bird Obituary (2026) - Iowa Falls, IA - Surls Funeral Home - Iowa Falls - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5HanNZSFlQM2VfaUR0T3dtNDBVQ0RGXzN5U2RhNXNZRFlRS2ZPRGJNc29SYnppLUFBSHNUeExPUGRrRXBFQ3ktSFNocEFCREQ5M191R0t6ckZpU1NsbkFQRjRyOS1CWW5TU3lBaEFYbFZiWTYyN1NwTUFhOEVELTQ?oc=5) · legacy.com
- 2026-02-04 [John Campbell’s legacy shines in Iowa Falls - Times-Citizen Communications](https://news.google.com/rss/articles/CBMixgFBVV95cUxOenZWZHhIUFJPYlpJU0ZZbEZIQXRoV2ZtdjNHUkE5cFF5VENaeHpwQjdJeEJJV29nNFcwZThIRmRxemFNeDhzajBMbVgyazI2cENSZHFaU09sX0NTYUQ1WXhna3E0RE5lSWRUdno0WUo0RzJ3RWZwVm50YUdLNThSTWc1S2xObDl5ZW13c0ZiamNRSTFZbUNESzlYQzczRWY3VGlXMGdGLUVLUy1sRWlBWm0waVdnX25IQXZPd1l2Sk5ZaGt4N2c?oc=5) · Times-Citizen Communications
- 2026-01-23 [C. John Campbell Obituary (2026) - Iowa Falls, IA - Surls Funeral Home - Iowa Falls - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9nelVMSXE4QlFDN0VVWU1Cb3NLczRiQzA4SG8zRU1kZjZ5b25LRVJUcGl4WnZsVEdrakp5bW5CVVd6VlBDd3dZUjF0bkIzMkJhSlRtSkV1bnBoRGpfZmtXamFJSjhvS0FERmlFVzFFVk0tUE5PbHNCVjdXSEJKQQ?oc=5) · legacy.com
- 2026-02-05 [Steven C. Stockdale Obituary (2026) - Iowa Falls, IA - Surls Funeral Home - Iowa Falls - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQeDZDU3NuSC1aNUFQZEh6d01mdzMwakdGR0NJejEyOTk0RldYemQyM3FCVnladHV6c3daa25LY05JaUhxRnlBaVQ5X0swc09ERHpUbmRZY3Jlb3VXYUc5UEpaZ2Y2RktLakw3ZUNWRDFMNHNKQzRVQVEzSUE2VGFGRXFXaTl0UQ?oc=5) · legacy.com
- 2021-07-01 [Riverbend Rally bounces back - Times-Citizen Communications](https://news.google.com/rss/articles/CBMisgFBVV95cUxPRVdNMjR4cXlMcVQyWkJkWWZJWThGRGVpYW1oZG5MOU84ZW5Ya09tM3pRRDNfU2lJcDZtS2sxY1hBeDdZbVVtSl9vb3htTnM3TTFqUlpNQnI5NHdjV2dUTVZUMklfOG5MMTh5UVdEME5qMk1KSnItamVmVEVPenZZLWVjZjFPOF9KaHZXbG9CcF9YV2RfWkJGMlRhZ0szVklQSUt0VDRqaDFtb1RKR2dwTmdB?oc=5) · Times-Citizen Communications
- 2019-07-03 [Riverbend Rally Returns - Times-Citizen Communications](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWTNRcFlHQ2MzQ3NkZFRmX2t6a1NGV1kxYjNXbXctNURNN3ZZX09RUUJDX0RZaWNoSElYMlRuNE5iczY3cVNmaEZFN2VjdVNtb3YzZUVEaVZ6bnBiQ3V2VFptQk96THlyNWpJdl9PUnpYYXMzcS02RDZBWTc3VURiVTRXUXR0RWE5d0pqZk9rZlNLSW5pSWlLRXNCQjNjMDNLbGF3YkM5UmdZRDA?oc=5) · Times-Citizen Communications
- 2014-04-20 [Lorraine Troutner Obituary (1925 - 2014) - Iowa Falls, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQOEp6bXoyMHgwaFJEM2FwZXc2akpybGVLZ19VR0VnTllDc3B3b29XUVlIVDBNdExBcl9HRlRxeXFHQ2FXbzlMU0dfOEJmNUx3aGxiTmRtWmRxUjFnV3pURnk3TGt6b1hidmVSUThRRmdyTzBBSVNVZnFxTjd0d29JZmpxTHlZbDJWLWdRbkhWaHY2RjQwcVNDYjhQbmR6X2s?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15311 (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/15.json (key "15311", 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