Crawford County T&Sb
Denison, Iowa · FDIC Cert #8511
Crawford County T&Sb is an FDIC-insured bank (Certificate #8511) with $271M in total assets and $250M in total deposits as of the Q2 2024 Call Report. Headquartered in Denison, Iowa, the bank maintains a Tier 1 capital ratio of 11.72% (Well-Capitalized) and a nonperforming loan ratio of 0.36%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Crawford County T&Sb (FDIC cert 8511) is a community bank — $271M in total assets, $250M in deposits, serving the Denison, Iowa area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.72% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.36% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 24.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.64% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Crawford County T&Sb carries a composite BankHealth grade of A (83/100) 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: Crawford County T&Sb
- Total Assets
- $271M
- Total Deposits
- $250M
- Tier 1 Capital Ratio
- 11.72%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.36%
- Liquidity Ratio
- 24.95%
- Return on Assets
- 1.64%
- Headquarters
- Denison, Iowa
- FDIC Certificate
- #8511
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Crawford County T&Sb holds a Tier 1 capital ratio of 11.72%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Crawford County T&Sb has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Crawford County T&Sb shows strong financial health indicators. With $271M in assets and a Health Score of 83/100, 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 Crawford County T&Sb Compares
Crawford County T&Sb’s Health Score of 83 is 15 points above the Iowa state average of 68 across 162 FDIC-insured banks. Its 11.72% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 0.36% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.64% is in line with or above the national ROA benchmark of ~1.1%. Among 1583 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Crawford County T&Sb is 13 points above the portfolio average of 70.
Frequently Asked Questions
Crawford County T&Sb has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.72%, 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. Crawford County T&Sb's Tier 1 capital ratio of 11.72% and nonperforming loan ratio of 0.36% 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 Crawford County T&Sb is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8511). 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.
Crawford County T&Sb holds $271M in total assets and $250M in total deposits. It is headquartered in Denison, Iowa (FDIC Certificate #8511).
Crawford County T&Sb has a Tier 1 capital ratio of 11.72%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.36%, and the return on assets is 1.64%.
Yes. Crawford County T&Sb is FDIC-insured (Certificate #8511). 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%).
Crawford County T&Sb'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.