Iowa Trust & Savings Bank: how it compares with its peers
Against 93 IA banks with half to twice its assets, Iowa Trust & Savings Bank's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $8.3M peer median). Its weakest relative measure is efficiency ratio (76.06% vs. 55.46%).
| Measure | Iowa Trust & Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 1.43% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 3.65% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.06% | 55.46% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $8.3M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.37% | 84.40% | Context |
What it means for lending operations
Its efficiency ratio of 76.06% is above the 55.46% 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
- The Shelby County State Bank Harlan, IA · $524M
- Peoples Bank Clive, IA · $530M
- American Bank, National Association Le Mars, IA · $533M
- First Security Bank and Trust Company Charles City, IA · $538M
- Connection Bank Fort Madison, IA · $541M
- Ohnward Bank & Trust Cascade, IA · $499M
Questions about Iowa Trust & Savings Bank
How big is Iowa Trust & Savings Bank?
Iowa Trust & Savings Bank, established in 1929, is headquartered in Emmetsburg, IA. It reported $522M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Iowa Trust & Savings Bank's return on assets?
0.75% annualized in Q2 2026, against a 1.43% median for 93 IA banks with half to twice its assets, ahead of 5% of them.
What is Iowa Trust & Savings Bank's efficiency ratio?
76.06% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 55.46%, and lower is better.
Is Iowa Trust & Savings Bank growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits shrank 1.5%.
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.