State Bank of Schaller: how it compares with its peers
Against 22 IA banks with half to twice its assets, State Bank of Schaller's strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $7.0M peer median). Its weakest relative measure is net interest margin (2.53% vs. 3.86%).
| Measure | State Bank of Schaller | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.13% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.53% | 3.86% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.35% | 66.15% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $7.0M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.55% | 63.21% | Context |
What it means for lending operations
Its efficiency ratio of 62.35% is better than the 66.15% 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 State Bank Paton, IA · $41M
- Cornerstone Bank Clarinda, IA · $42M
- Defiance State Bank Defiance, IA · $43M
- Farmers State Bank Lake View, IA · $37M
- The First National Bank of Primghar Primghar, IA · $36M
- ITS Bank Johnston, IA · $45M
Questions about State Bank of Schaller
How big is State Bank of Schaller?
State Bank of Schaller, established in 1898, is headquartered in Schaller, IA. It reported $41M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is State Bank of Schaller's return on assets?
0.81% annualized in Q2 2026, against a 1.13% median for 22 IA banks with half to twice its assets, ahead of 27% of them.
What is State Bank of Schaller's efficiency ratio?
62.35% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 66.15%, and lower is better.
Is State Bank of Schaller growing its loans?
Net loans shrank 3.0% over the year to Q2 2026, while deposits grew 2.7%.
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.