# BANKIOWA
CEDAR RAPIDS, IA · FDIC certificate 17282 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $846.2M | |
| Deposits | $712.7M | |
| Loans and leases | $695.5M | |
| Total equity | $105.5M | |
| Loans / deposits | 96.47% (p84 of band) | 82.04% |
| Liquid assets / assets | 14.11% (p14 of band) | |
| Uninsured deposits / deposits | 40.08% (p88 of band) | 25.97% |
| Brokered deposits | 3.00% | |
| Wholesale funding | 5.06% (p58 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 12.46% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -3.16% (p72 of band) | -8.10% |
| AOCI / equity | -0.36% (p49 of band) | |
| ROA (annualized) | 1.60% (p70 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 61.62% (p51 of band) | |
| Noncurrent loans | 1.00% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | 114.41% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 47.28% (p54 of band) | |
| Auto loans | $4.4M (0.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 142 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 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 | 2 | loans exceed deposits, capital falling |  |
| 2016-06 | 1 |  | loans exceed deposits |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 1 | capital falling | loans exceed deposits |
| 2017-09 | 4 | loans exceed deposits, charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 3 | wholesale funding >15% | capital falling, reserve under noncurrent |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 1 |  | wholesale funding >15% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | loans exceed deposits |
| 2019-12 | 3 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 3 | charge-offs p90 | loans exceed deposits |
| 2020-06 | 2 | capital falling | noncurrent p90, charge-offs p90 |
| 2020-09 | 3 | noncurrent p90 |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | charge-offs p90 |  |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 1 |  | noncurrent p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-02 [BankIowa to open new branch in Amana Colonies - Corridor Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxONm9fSW1DT19CY0M0eHRFMmhWemtjRS1jcmVBY1JYMHQ5b1N5MnVGb005RzJyT18tYWxHZUp4UmZLTG1pRjc0NklwYk1KaWhuT3RKdk9rc2N3UHNLN29lRWphOHZGZkxyR25FWDdMYUpKSUFmelVRRThKNHlxNUY5WA?oc=5) · Corridor Business Journal
- 2026-05-17 [Bank Iowa names Herrboldt as president and CEO as Plagge announces retirement - High Plains Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOTFlISkRSUFhoYkNIQXNVSy1Bd1k4MnJvWW1Zbko2ZzVlZkNOcUVhVGhFOW1SSlpDSHdfbDY0MWsxN3FuWDdDdVpyenpnRkQwcG10UVBmUE5JTTM0R2JJZFNkZ1k0M3VMLUN1X1RhUTl2TlVQVDZCZ0VvcmU2a2JUZmE3RGRfa09pN0U4ZDEzVnFocVhZc09mNVdpSlZocFVlT2lmSFFCRENySTA?oc=5) · High Plains Journal
- 2022-09-01 [BankIowa announces changes to its executive team - Waterloo-Cedar Falls Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxPdk9EWjExUUFUNXJjalR1U3dNVVpvNERZZHhFaUZPMWtqSjhjSGF3UDc1U0YtQW1JWHZCRTlCWkdJT2Vwa3UyWkN5Qk1jc0dXSjd1OVcyTnJ3eVllQTBnUmVZVERydHRVc1R6MDVLcm1YN3dXMjVHaU5kbTVfbV81QVJRZ1pYLVBmamZSdnc3TGczaHdGbWJJa3JtRFRmbWc?oc=5) · Waterloo-Cedar Falls Courier
- 2026-07-26 [Iowa City and Cedar Rapids Business Notes for July 26, 2026 - thegazette.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQa2Q1X1Q3N2UtRG1HT3dMZnBaZ0hnbzdfaHo3cmE2UFZWWnVpM2VBVEFXRmE4TU9VVUNmYkZRdDJ3MmpOWVBsV21OOUxBWmN6TktpX0IyZ3FuV1hxQkhvTnYxbGFKQnhUUWkyMFdqbDFFZ3ZaWFRXODJzQzBxQTRMejByZEpjVHdEczNUQUZOaVVOTldNc18wRW1tUG1ab1JJaGRDTjdSZVNVdDBXdWR4LXQ1b3lHd2tfaHBoeFpmY0VYQnRraTlzZnYyOFl1ZG41dktzLWt2TmdpRHF1?oc=5) · thegazette.com
- 2026-01-22 [BankIowa Cedar Valley Market’s Itzen to retire after 20 years - Corridor Business Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxOU1VfWXZ0SXd1OVRHYmdqSHpTUkFGRkk2ZlFiSlNPNHNXSTBENEtSUE9EaW1sV0ZYNEZPc2M2dERiUWxCNzZfcVpwN2Z3WHJXaWU4V2FpTWZ2aW5NcXZGamJsY0lKREJUZFUyRGRUcW9zV0xfRDhmaFRWb2ZDRUNJY1k4RDlZVW9Ta1p2NV84UE5vUFlJ?oc=5) · Corridor Business Journal
- 2021-10-16 [BankIowa’s Mike Cook and Terry Toale appointed new positions - Community Newspaper Group](https://news.google.com/rss/articles/CBMimwJBVV95cUxNSmxRWUpDYnpwbjd2dG5oczN2bXN1cXd5WVRadGhMbmVFMXNPNHpRYy1tOTlNM3dSc1l6RUtvemN6VnVwRDRNR01VWkY2QjJudUpGY21rbTZpUWRiVjQ0UjU4ZFZhTUgzcUhLb3BxZWMyci1ZdzAyR0pBOUt2d25zNVNTZ3ZxNXUxdXJ4RW1MMWM5YXRVUkxPeENSSV9QU2ZxenRVaXpneVkxbWdnbDE0NnNRR1prQTB5MGdVNW5KdHdVMmFLLTVuempoeGtndjlRSC1CMGV4Mldvc1dVODE0RVVyaVVxdFlwSFFxb3NjYWF3aERJRmdYLXJqNWFVdEpUMlp5dTZIMmZxdmplaDBTdGlMNzBnZUt1Unpr?oc=5) · Community Newspaper Group

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17282 (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/2.json (key "17282", 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