Iowa State Bank and Trust Company of Fairfield, Iowa: how it compares with its peers
Against 114 IA banks with half to twice its assets, Iowa State Bank and Trust Company of Fairfield, Iowa's strongest measure in Q2 2026 is assets per employee ($10.7M vs. a $8.6M peer median). Its weakest relative measure is return on assets (1.24% vs. 1.39%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.39% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 3.57% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.56% | 54.81% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $8.6M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.31% | 82.64% | Context |
What it means for lending operations
Its efficiency ratio of 52.56% is better than the 54.81% 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
- Glenwood State Bank Glenwood, IA · $353M
- New Albin Savings Bank New Albin, IA · $351M
- Commercial Savings Bank Carroll, IA · $349M
- Kerndt Brothers Savings Bank Lansing, IA · $347M
- Premier Bank Dubuque, IA · $358M
- Community State Bank Spencer, IA · $346M
Questions about Iowa State Bank and Trust Company of Fairfield, Iowa
How big is Iowa State Bank and Trust Company of Fairfield, Iowa?
Iowa State Bank and Trust Company of Fairfield, Iowa, established in 1934, is headquartered in Fairfield, IA. It reported $352M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Iowa State Bank and Trust Company of Fairfield, Iowa's return on assets?
1.24% annualized in Q2 2026, against a 1.39% median for 114 IA banks with half to twice its assets, ahead of 40% of them.
What is Iowa State Bank and Trust Company of Fairfield, Iowa's efficiency ratio?
52.56% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 54.81%, and lower is better.
Is Iowa State Bank and Trust Company of Fairfield, Iowa growing its loans?
Net loans grew 12.9% over the year to Q2 2026, while deposits grew 17.4%.
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.