Iowa Falls State Bank
Iowa Falls, Iowa · FDIC Cert #15311
Iowa Falls State Bank is an FDIC-insured bank (Certificate #15311) with $180M in total assets and $141M in total deposits as of the Q2 2024 Call Report. Headquartered in Iowa Falls, Iowa, the bank maintains a Tier 1 capital ratio of 10.25% (Well-Capitalized) and a nonperforming loan ratio of 0.61%. BankHealthData assigns a composite Health Grade of B (79/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Iowa Falls State Bank (FDIC cert 15311) is a community bank — $180M in total assets, $141M in deposits, serving the Iowa Falls, 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 10.25% 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 normal: non-performing loan ratio of 0.61% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 40.8% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 0.98% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. 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. Iowa Falls State Bank carries a composite BankHealth grade of B (79/100) 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: Iowa Falls State Bank
- Total Assets
- $180M
- Total Deposits
- $141M
- Tier 1 Capital Ratio
- 10.25%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.61%
- Liquidity Ratio
- 40.76%
- Return on Assets
- 0.98%
- Headquarters
- Iowa Falls, Iowa
- FDIC Certificate
- #15311
- Health Grade
- B (79/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Iowa Falls State Bank holds a Tier 1 capital ratio of 10.25%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Iowa Falls State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Iowa Falls State Bank shows strong financial health indicators. With $180M in assets and a Health Score of 79/100, 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 Iowa Falls State Bank Compares
Iowa Falls State Bank’s Health Score of 79 is 11 points above the Iowa state average of 68 across 162 FDIC-insured banks. Its 10.25% Tier 1 capital ratio is 3.8 points below the US banking industry average near 14%. The 0.61% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.98% is below the national ROA benchmark of ~1.1%. Among 1483 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Iowa Falls State Bank is 9 points above the portfolio average of 70.
Frequently Asked Questions
Iowa Falls State Bank has a Bank Health Score of B (79/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.25%, 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. Iowa Falls State Bank's Tier 1 capital ratio of 10.25% and nonperforming loan ratio of 0.61% 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 Iowa Falls State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15311). 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.
Iowa Falls State Bank holds $180M in total assets and $141M in total deposits. It is headquartered in Iowa Falls, Iowa (FDIC Certificate #15311).
Iowa Falls State Bank has a Tier 1 capital ratio of 10.25%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.61%, and the return on assets is 0.98%.
Yes. Iowa Falls State Bank is FDIC-insured (Certificate #15311). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Iowa Falls State 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.