Atkins Savings Bank & Trust: how it compares with its peers
Against 105 IA banks with half to twice its assets, Atkins Savings Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (27.92% vs. a 57.45% peer median). Its weakest relative measure is net interest margin (3.01% vs. 3.64%).
| Measure | Atkins Savings Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.33% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.01% | 3.64% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 27.92% | 57.45% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.3M | $8.5M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.12% | 78.30% | Context |
What it means for lending operations
Its efficiency ratio of 27.92% is better than the 57.45% 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
- Templeton Savings Bank Templeton, IA · $170M
- Union State Bank Greenfield, IA · $169M
- Bank 1st West Union, IA · $166M
- Citizens Savings Bank Anamosa, IA · $166M
- St. Ansgar State Bank Saint Ansgar, IA · $182M
- Danville State Savings Bank New London, IA · $183M
Questions about Atkins Savings Bank & Trust
How big is Atkins Savings Bank & Trust?
Atkins Savings Bank & Trust, established in 1915, is headquartered in Atkins, IA. It reported $172M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Atkins Savings Bank & Trust's return on assets?
1.50% annualized in Q2 2026, against a 1.33% median for 105 IA banks with half to twice its assets, ahead of 66% of them.
What is Atkins Savings Bank & Trust's efficiency ratio?
27.92% in Q2 2026: it spent about 28 cents in noninterest expense for each dollar of revenue. The peer median is 57.45%, and lower is better.
Is Atkins Savings Bank & Trust growing its loans?
Net loans grew 13.5% over the year to Q2 2026, while deposits grew 6.5%.
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.