Savings Bank: how it compares with its peers
Against 112 IA banks with half to twice its assets, Savings Bank's strongest measure in Q2 2026 is assets per employee ($15.2M vs. a $8.6M peer median). Its weakest relative measure is net interest margin (3.57% vs. 3.57%).
| Measure | Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.40% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.57% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.29% | 54.67% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.2M | $8.6M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.78% | 80.32% | Context |
What it means for lending operations
Its efficiency ratio of 49.29% is better than the 54.67% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Bank and Trust Company Muscatine, IA · $303M
- Farmers Savings Bank Colesburg, IA · $299M
- Leighton State Bank Pella, IA · $298M
- Crawford County Trust and Savings Bank Denison, IA · $294M
- State Savings Bank West Des Moines, IA · $292M
- United Community Bank Milford, IA · $290M
Questions about Savings Bank
How big is Savings Bank?
Savings Bank, established in 1894, is headquartered in Primghar, IA. It reported $305M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Savings Bank's return on assets?
1.44% annualized in Q2 2026, against a 1.40% median for 112 IA banks with half to twice its assets, ahead of 54% of them.
What is Savings Bank's efficiency ratio?
49.29% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 54.67%, and lower is better.
Is Savings Bank growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.