# IOWA STATE BANK
REMSEN, IA · FDIC certificate 9297 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $117.6M | |
| Deposits | $94.8M | |
| Loans and leases | $85.4M | |
| Total equity | $19.8M | |
| Loans / deposits | 88.88% (p84 of band) | 69.26% |
| Liquid assets / assets | 23.02% (p24 of band) | |
| Uninsured deposits / deposits | 6.09% (p19 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.35% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.47% (p87 of band) | 10.29% |
| Unrealized securities loss / equity | -2.61% (p37 of band) | -1.01% |
| AOCI / equity | -2.76% (p54 of band) | |
| ROA (annualized) | 1.45% (p86 of band) | 0.76% |
| Net interest margin | 3.37% (p36 of band) | 3.63% |
| Efficiency ratio | 29.75% (p1 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 4712.50% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $324,000 (0.38% of loans; DQ 3.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.6% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | NIM <2.5%, reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 | uninsured deposits leaving |  |
| 2013-09 | 2 |  | uninsured deposits leaving |
| 2013-12 | 3 | uninsured deposits leaving |  |

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

- 2026-08-01 [Winkel excited for new role as Iowa State Bank branch manager - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOYTBXMExnTExTMjdfcWFlcGRaWktIZWlRNWQ5eWk1LWJ6VjZZbFJwYkJsZ2t6TDBZMGF1WVlINWY3VVlKVlAxNDFaYlRIdl8wTkJkN0tld3J6VDBxM0N1a1lsZ2Etbzl3Z2lJOFpjZkhZdlk0aHZZNWoyVHdVSVdUNUU5OFZFTEtLX3pQdGhkbjA5V01ZSFBvQ003ZlBzNTN3bVdVMU1WUzgzaDNBUUVrU3ZlWTEtNkxRcGlyVld2NlVaekx6RGlzcWY2d0FMdWRZSEozdHA4VjNXcUdoUzhn?oc=5) · The N'West Iowa REVIEW
- 2025-12-26 [Kleinwolterink retires after 26 years at Iowa State Bank - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQVEJ6OEctSWEwaE1SZGN0RGE1c3JTRkZpZEV0T3dlQTNqWnVpajFvOVJ3M0p5ejVDMUVQLXIxeUl3X0w2THpFQ280bVVYaWlaN2lsZnpzWko0cVRMdUtwYVROUjJCZTM5RzV3elFaMHFKdnVlb2RKX3NEZjBxSWhmR0JWano2dXQ4MkJoV2l2dEtaMlFJbS1UaGJTemF2dXVlYm9PN04wLVZDTDgxZFZLb2NpUGdKQUVzV0ZuaG5JS05FRENMbWN5d280WFpvb0ZkSmZjV2YzUkU?oc=5) · The N'West Iowa REVIEW
- 2023-09-19 [Chicago man gets 8 years in prison for robbing a bank in Sheldon, IA - KTIV](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNzIwZnRKX2FfR05Va2ZkYzU1R1NCRXYtNmVKRmxhWGp4M3g1NHoyVVAtUFMzTFUyNllFby1POW1TMEx2TXZ4M1ktUjNUdXh5ZWFLVk1WQ0IwbkhaV1RfRFQtMjlFcHhKRkVjcFRJeGx0TV8tTzNXYW41U3RMNElpd1F6WdIBlwFBVV95cUxNYkh0RTZYMHFGQ1JLS2tXN0FVM3RjR1p1LURGUE9PWFJqS0hxaWhLVTB4dEZidDR3VjNKNDRiNmhjWDZNbkZWc0RDR2tRMEtvRHFJS2ZKNkdDLWhOeGtKa183UUxXQWFlblJoWTA3Vm92WVdHcThIREIyQ09BbFZ5S2poMENLTXhpV0dvb0RBTEpyeWtmNWRn?oc=5) · KTIV
- 2022-08-15 [John C. Burgeson Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBsSXAyVzJUS2ZZTXpkaUpUa19Qemt5NEU5c0JVc2RSc3JpaFJjMjJTRkM5WFhITldNQWpqV0FSbGVaYmE0bU9tSXNXVS1RRjc3VXZBVkU0Q3JJMVJkbFduOHRsM2c?oc=5) · The Des Moines Register
- 2022-03-19 [Local bank holding company earnings strong; Vitzthum named chairman at annual meeting - Messenger News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNZ25JaWQ3UjFkeUJFeUJSQUxqWDc5RDhuREhuVTZqLVZmUmVXVGlyb3hETVplRUVqcTROODZSUFlpdmx0Q1V6RTBlX3BJVDN5OWkxeUJMLXdjbHVvWGtjc002SGhMUUcyellZSjlvc3RHTWw0TWhHSWhma08td3hrUmMtOFp4d0VLOURaWGlGNExndjZjVDVNOU0yYUctSmhxdW1xbXdDTnBNTkYxeER5SjZHSVhVaVNlczBJMnNxd1JYR2F0d2Q3a0ZUNU90NGNZQ250Y1BjaVE5bkhC?oc=5) · Messenger News
- 2023-10-03 [Marilyn Marie Osterhout Obituary - The Ames Tribune](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5nQ0FSa0FhYWNBblpNQW81MzhaQ1Q5MHBmR1hwYTk0SEJYV0c2cUZPeVZaVFVSdWZQTlh6YjE1eWpERXZvZ1Q1aDdGemtQMFExaUhjdWhleXZOR0E?oc=5) · The Ames Tribune
- 2007-06-19 [Charles Wendell Eastburn Obituary Jun 19, 2007 - Behner Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBxTTY1eXA2UUk1bGxSODNNYzVuWWJKYVRDZUVFb1VldG52M1V6U0F0MXJ6Z1VIX1UwRkJaYVBRb1RZcndNMlNKR2p2YWRJZEZSLTItZnRTWXhRZVVTWG1uX1Fn?oc=5) · Behner Funeral Home &amp; Crematory
- 2022-02-22 [Kelsey Peed Obituary Apr 1, 2016 - Porter Family Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1GbVpyZnlTcTdNZTIyZ181TkhhdWgzd19WNkFqYUJrMTdwTTZ0RHpkYzU2eWljaHpFbXYtSWc4RC1jQ0tLRjNsWVBKVzlaeWhndWdsZWJ4M0hycVk5MjVQSkRySThIMHhD?oc=5) · Porter Family Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9297 (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/17.json (key "9297", 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