St. Ansgar State Bank: how it compares with its peers
Against 110 IA banks with half to twice its assets, St. Ansgar State Bank's strongest measure in Q2 2026 is assets per employee ($10.1M vs. a $8.6M peer median). Its weakest relative measure is net interest margin (2.95% vs. 3.62%).
| Measure | St. Ansgar State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.37% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.95% | 3.62% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.79% | 55.88% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $8.6M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.14% | 79.60% | Context |
What it means for lending operations
Its efficiency ratio of 58.79% is above the 55.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Danville State Savings Bank New London, IA · $183M
- Liberty Trust & Savings Bank Durant, IA · $186M
- Bellevue State Bank Bellevue, IA · $188M
- Peoples Savings Bank Wellsburg, IA · $189M
- Farmers Trust & Savings Bank Williamsburg, IA · $192M
- Atkins Savings Bank & Trust Atkins, IA · $172M
Questions about St. Ansgar State Bank
How big is St. Ansgar State Bank?
St. Ansgar State Bank, established in 1891, is headquartered in Saint Ansgar, IA. It reported $182M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is St. Ansgar State Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.37% median for 110 IA banks with half to twice its assets, ahead of 26% of them.
What is St. Ansgar State Bank's efficiency ratio?
58.79% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is St. Ansgar State Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 1.3%.
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.