Iowa Falls State Bank: how it compares with its peers
Against 114 IA banks with half to twice its assets, Iowa Falls State Bank's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 3.64% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $8.6M).
| Measure | Iowa Falls State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.41% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.64% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.13% | 54.87% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $8.6M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.93% | 78.03% | Context |
What it means for lending operations
Its efficiency ratio of 52.13% is better than the 54.87% 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
- Keystone Savings Bank Marengo, IA · $201M
- Houghton State Bank Red Oak, IA · $205M
- State Bank & Trust Co. Nevada, IA · $198M
- Chelsea Savings Bank Belle Plaine, IA · $197M
- State Savings Bank Bedford, IA · $207M
Questions about Iowa Falls State Bank
How big is Iowa Falls State Bank?
Iowa Falls State Bank, established in 1933, is headquartered in Iowa Falls, IA. It reported $202M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Iowa Falls State Bank's return on assets?
1.19% annualized in Q2 2026, against a 1.41% median for 114 IA banks with half to twice its assets, ahead of 32% of them.
What is Iowa Falls State Bank's efficiency ratio?
52.13% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 54.87%, and lower is better.
Is Iowa Falls State Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 6.8%.
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.