# IOWA STATE SAVINGS BANK
CRESTON, IA · FDIC certificate 8751 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $276.5M | |
| Deposits | $246.2M | |
| Loans and leases | $164.2M | |
| Total equity | $27.3M | |
| Loans / deposits | 65.68% (p38 of band) | 73.59% |
| Liquid assets / assets | 38.19% (p60 of band) | |
| Uninsured deposits / deposits | 25.83% (p71 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.50% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.40% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -10.50% (p39 of band) | -6.57% |
| AOCI / equity | -2.02% (p12 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.17% |
| Net interest margin | 3.70% (p37 of band) | 3.93% |
| Efficiency ratio | 52.62% (p18 of band) | |
| Noncurrent loans | 0.20% (p41 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 745.02% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 5.48% (p30 of band) | |
| Auto loans | $1.8M (1.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.7M (10% of equity) (p98 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 33 | |

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | losing money |  |
| 2014-06 | 0 |  | losing money |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 | noncurrent p90 |  |
| 2016-09 | 5 | capital falling, losing money |  |
| 2016-12 | 3 |  | capital falling, losing money |
| 2017-03 | 4 | assets shrinking |  |
| 2017-06 | 3 |  | noncurrent p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 0 |  | charge-offs p90, assets shrinking |
| 2018-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2020-03 | 0 |  | NIM <2.5%, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 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 |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 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 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-06-24 [DCI Assists Taylor County with Bank Robbery - Iowa Department of Public Safety (.gov)](https://news.google.com/rss/articles/CBMijAFBVV95cUxNd0pOdEJBWmI4N3dnbmRrNEdHV0FuaVlwbHRUc0d2aFBpMU1XRmJjSGxIV1R4MkxXSzhDR24zT1pfZU1jcUJuU1A2ZnZWcnNCelp1OE1JSjNRZmlVdEl4OVJzUWxqcHNZNVMxamxmMHhNSmk1dXFGeFFBcWNxWHNMeENRVWRIWGxmdFctZA?oc=5) · Iowa Department of Public Safety (.gov)
- 2019-03-05 [Pella group to acquire Iowa State Savings Bank | Knoxville - Oskaloosa Herald](https://news.google.com/rss/articles/CBMizAFBVV95cUxPQXJQUlUxVFRmN3A0UDB6VjhucU1ISmlPVjdTdFpxWVZ0cEsxM0U1WFpacjlFNTVDWVp3M0REYXJfSW41TE5ybHhEbGVhdTVleXZJejVJdG1PNDJVY0tGLU9KM3lNcGtTb2VxV3J3QllxcDdCd0NKcXlEU1hjVkxEb0F3dVNZN0lzVnhTRGkxa19nd0NTT3YxdjRrbC1Sd0pObFZsRUVkYWVOTkQ4cnhqLUxJN3liRHNlbGphMlMzOUItT01RYzNoZFVGQ3o?oc=5) · Oskaloosa Herald
- 2024-06-26 [Name of Lenox Bank Robber Released - Iowa Department of Public Safety (.gov)](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWGE2S29qN1hydXE0YmpfV1UxTHN0d3EtU2VsT19LRFlhY3Q1Q0h1T2pHRzJacTFmcGtmMGQ1MUotSllTTjQ0aG9wSDV2SFhRd2xDRHo5Z2kwUzNzQThNS3hUYTdreGtLZkMyMkE1R3E3RXR1eEJ5T2RUdW9peHFaSXA0dw?oc=5) · Iowa Department of Public Safety (.gov)
- 2024-06-26 [Iowa crime: Officials identify man who died of suicide after robbing southwest Iowa bank - KCCI](https://news.google.com/rss/articles/CBMixwFBVV95cUxNeUl3UkZHMkR5LTBaS3JRd1lQb2JEdXVxU3pmODhZaGtUaGQwVkg2RThFdzE4Y0h3cHhNU0M5TzZtVjNGWHB4UG1FcE5sdDNGUEtyLTVIUDVfclFRMFI0bnZOcGRCOG9WM0RPY1lvVzRkcUpvS1lSUGgtV2V4MXJ5NDV1SHFweHRqLXRGcDg2clVoM1JiczZOeXhoQlNTak1BWU9hb2tmaVpQVktGVmUzZXQ0cktRWk9QZTIzZnYzWGhMRHdURVF3?oc=5) · KCCI
- 2009-08-27 [Iowa Trust’s roots reach to 1896 | Centerville - Ottumwa Courier](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOTGhUZ0l1OHpsM0g3WVppY2ZadklfdWluTktIaUdrT1hFZ1cyOWdiVldVcHl6UlpxaWl1cnlybHdDb0VzSkJIUzZ4TGdYZWZQT1JKRFp6eDBHb3pCazhZcWI5X2kyakhHSk9LeW1CMHFtT1VrSXpoNm1Lb09zYjEyWlRfbHlHSkZPX0pXZDdyUG1kMXhyNFlvLWYzWWVkQ0RIQ0owN0VrVmpKY3B2Y0NzRW5jS19tMVpTUjNDMUpBcXd5WE0?oc=5) · Ottumwa Courier
- 2020-06-22 [Cindy Joy Kelly's Obituary, Visitation & Funeral Information - Snell-Zornig Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTFBkRkFrcXg2LURMeDRCV3RqTlU0NWZCZ3huZHRZWWdBdy15amgxTHJidS16dlBBV2lIbjNxX3hvdE1zTzBHOFp6QjhPelh5UXN6eEVrQU5SOU1xZjM4Mk5LVTctSDk4UlpCU05v?oc=5) · Snell-Zornig Funeral Homes
- 2024-02-27 [Sherrylyn Olsen Obituary - The Ames Tribune](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBEVHByWmdrb1ZXa29lcGNDcTVQWmRDOTRFbGVac0tIMXZyWWxwdkpHcG5TT05adHBDNmZVVHpTUnp6Wk1SaUw4cUgwWTNCa0dvQmsySHRybmhkWkk?oc=5) · The Ames Tribune
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8751 (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/47.json (key "8751", 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