Iowa Trust and Savings Bank: how it compares with its peers
Against 114 IA banks with half to twice its assets, Iowa Trust and Savings Bank's strongest measure in Q2 2026 is return on assets (1.68% vs. a 1.40% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $8.6M).
| Measure | Iowa Trust and Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.68% | 1.40% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.62% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.56% | 54.87% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $8.6M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.68% | 78.90% | Context |
What it means for lending operations
Its efficiency ratio of 54.56% 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
- Farmers Savings Bank & Trust Traer, IA · $213M
- Farmers & Merchants Bank & Trust Burlington, IA · $208M
- Iowa State Bank Sac City, IA · $213M
- State Savings Bank Bedford, IA · $207M
- Farmers Savings Bank Fostoria, IA · $215M
- Houghton State Bank Red Oak, IA · $205M
Questions about Iowa Trust and Savings Bank
How big is Iowa Trust and Savings Bank?
Iowa Trust and Savings Bank, established in 1896, is headquartered in Centerville, IA. It reported $211M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Iowa Trust and Savings Bank's return on assets?
1.68% annualized in Q2 2026, against a 1.40% median for 114 IA banks with half to twice its assets, ahead of 74% of them.
What is Iowa Trust and Savings Bank's efficiency ratio?
54.56% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 54.87%, and lower is better.
Is Iowa Trust and Savings Bank growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits shrank 0.7%.
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.