ITS Bank: how it compares with its peers
Against 27 IA banks with half to twice its assets, ITS Bank's strongest measure in Q2 2026 is return on assets (61.63% vs. a 1.04% peer median). Its weakest relative measure is net interest margin (4.50% vs. 3.77%).
| Measure | ITS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 61.63% | 1.04% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.50% | 3.77% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 10.23% | 66.99% | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 62.56% | Context |
What it means for lending operations
Its efficiency ratio of 10.23% is better than the 66.99% 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
- Defiance State Bank Defiance, IA · $43M
- Cornerstone Bank Clarinda, IA · $42M
- Community State Bank Paton, IA · $41M
- Palo Savings Bank Palo, IA · $49M
- State Bank of Schaller Schaller, IA · $41M
- Benton County State Bank Blairstown, IA · $51M
Questions about ITS Bank
How big is ITS Bank?
ITS Bank, established in 2000, is headquartered in Johnston, IA. It reported $45M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is ITS Bank's return on assets?
61.63% annualized in Q2 2026, against a 1.04% median for 27 IA banks with half to twice its assets, ahead of 100% of them.
What is ITS Bank's efficiency ratio?
10.23% in Q2 2026: it spent about 10 cents in noninterest expense for each dollar of revenue. The peer median is 66.99%, and lower is better.
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.