Iowa State Bank: how it compares with its peers
Against 34 IA banks with half to twice its assets, Iowa State Bank's strongest measure in Q2 2026 is efficiency ratio (45.75% vs. a 54.52% peer median). Its weakest relative measure is net interest margin (3.68% vs. 3.65%).
| Measure | Iowa State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.51% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 3.65% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.75% | 54.52% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.5M | $8.2M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.38% | 89.31% | Context |
What it means for lending operations
Its efficiency ratio of 45.75% is better than the 54.52% 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
- Peoples Bank Rock Valley, IA · $1.25B
- Pilot Grove Savings Bank Pilot Grove, IA · $1.22B
- Capra Bank Dubuque, IA · $1.34B
- Bank Midwest Spirit Lake, IA · $1.35B
- Farmers State Bank Marion, IA · $1.12B
- First National Bank, Ames, Iowa Ames, IA · $1.11B
Questions about Iowa State Bank
How big is Iowa State Bank?
Iowa State Bank, established in 1879, is headquartered in Hull, IA. It reported $1.26B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Iowa State Bank's return on assets?
1.60% annualized in Q2 2026, against a 1.51% median for 34 IA banks with half to twice its assets, ahead of 59% of them.
What is Iowa State Bank's efficiency ratio?
45.75% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 54.52%, and lower is better.
Is Iowa State Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits shrank 1.1%.
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.