Availa Bank
Carroll, Iowa · FDIC Cert #11771
Availa Bank is an FDIC-insured bank (Certificate #11771) with $1.6B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Carroll, Iowa, the bank maintains a Tier 1 capital ratio of 12.09% (Well-Capitalized) and a nonperforming loan ratio of 0.68%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Availa Bank (FDIC cert 11771) is a mid-sized bank with $1.6B in total assets and $1.3B in deposits, based in Carroll, Iowa. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.09% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.68% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 28.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Availa Bank carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Availa Bank
- Total Assets
- $1.6B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 12.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.68%
- Liquidity Ratio
- 28.57%
- Return on Assets
- 0.54%
- Headquarters
- Carroll, Iowa
- FDIC Certificate
- #11771
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Availa Bank holds a Tier 1 capital ratio of 12.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Availa Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Availa Bank shows strong financial health indicators. With $1.6B in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Availa Bank Compares
Availa Bank’s Health Score of 81 is 13 points above the Iowa state average of 68 across 162 FDIC-insured banks. Its 12.09% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 0.68% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 738 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Availa Bank is 11 points above the portfolio average of 70.
Frequently Asked Questions
Availa Bank has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.09%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Availa Bank's Tier 1 capital ratio of 12.09% and nonperforming loan ratio of 0.68% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Availa Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11771). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Availa Bank holds $1.6B in total assets and $1.3B in total deposits. It is headquartered in Carroll, Iowa (FDIC Certificate #11771).
Availa Bank has a Tier 1 capital ratio of 12.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.68%, and the return on assets is 0.54%.
Yes. Availa Bank is FDIC-insured (Certificate #11771). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Availa Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.