Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Iowa

48 banks · Average score: 89/100 · Combined assets $31.3B

48 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 16.52% and an NPL ratio of 0.28%, sourced from the most recent FDIC quarterly Call Report.

48 Iowa banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Iowa A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Iowa are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 48 banks chartered in Iowa qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Iowa

Banks in this grade tier	48
Combined assets	$31.3B
Average composite score	89/100
Average Tier 1 capital ratio	16.52%
Average NPL ratio	0.28%

All A-Graded Banks in Iowa

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Citizens 1st Nb Storm Lake	Storm Lake	98	$240M	21.13%	0.35%	38.27%
2	Farmers Savings Bank&Trust	Traer	97	$205M	17.51%	0.00%	45.64%
3	Principal Bank	Des Moines	96	$8.7B	17.87%	0.48%	70.61%
4	New Albin Savings Bank	New Albin	96	$320M	42.18%	0.01%	62.15%
5	Citizens Savings Bank	Anamosa	95	$151M	19.51%	0.00%	58.38%
6	Sibley State Bank	Sibley	95	$103M	14.36%	0.01%	33.44%
7	Northstar Bank	Estherville	95	$208M	15.94%	0.00%	28.18%
8	Earlham Savings Bank	West des Moines	95	$361M	16.39%	0.01%	41.55%
9	Bank 1st	West Union	94	$163M	24.37%	0.30%	43.04%
10	Northeast Security Bank	Sumner	94	$428M	14.59%	0.05%	34.63%
11	Community Bank of Oelwein	Oelwein	94	$107M	17.10%	0.00%	32.28%
12	First Nb of Manning	Manning	94	$80M	33.01%	0.00%	53.69%
13	Iowa State Savings Bank	Creston	94	$257M	14.41%	0.20%	33.20%
14	Security Trust&Savings Bank	Storm Lake	94	$263M	29.57%	0.04%	69.22%
15	Ashton State Bank	Ashton	93	$55M	15.79%	0.30%	28.82%
16	Guthrie County State Bank	Panora	93	$264M	18.39%	0.11%	43.93%
17	First Nb of Primghar	Primghar	93	$38M	17.92%	0.00%	36.72%
18	Capra Bank	Dubuque	92	$354M	17.46%	0.13%	59.56%
19	Farmers&Merchants Sb	Iowa City	91	$124M	15.78%	0.06%	25.51%
20	Security Savings Bank	Gowrie	91	$192M	13.77%	0.02%	26.56%
21	Home Trust&Savings Bank	Osage	91	$285M	14.38%	0.29%	30.04%
22	Blue Grass Savings Bank	Blue Grass	90	$226M	24.71%	0.85%	40.83%
23	First Whitney Bank&Trust	Atlantic	90	$267M	12.76%	0.00%	40.62%
24	South Ottumwa Savings Bank	Ottumwa	90	$530M	17.39%	0.78%	33.78%
25	Readlyn Savings Bank	Readlyn	90	$138M	24.36%	0.17%	21.50%
26	Midstates Bank National Assn	Council Bluffs	89	$637M	15.14%	1.01%	34.99%
27	Dysart State Bank	Dysart	87	$18M	14.99%	0.12%	23.14%
28	Community Bank&Trust Co	Muscatine	87	$269M	13.29%	0.78%	36.89%
29	Gnb Bank	Grundy Center	86	$621M	13.53%	0.00%	23.88%
30	Boone Bank&Trust Co	Boone	86	$159M	12.37%	0.04%	53.96%
31	Fnnb Bank	Newton	85	$111M	11.45%	0.00%	36.19%
32	Hardin County Savings Bank	Eldora	85	$340M	14.00%	1.56%	37.64%
33	Ohnward Bank&Trust	Cascade	84	$420M	14.09%	0.02%	19.56%
34	Cbi Bank&Trust	Muscatine	84	$1.6B	11.98%	0.42%	27.63%
35	American B&T Co NA	Davenport	84	$528M	13.67%	0.47%	26.07%
36	Audubon State Bank	Audubon	84	$143M	13.75%	0.04%	18.97%
37	Houghton State Bank	Red Oak	83	$217M	15.03%	0.18%	14.96%
38	Midwest Heritage Bank FSB	West des Moines	83	$465M	14.58%	0.08%	14.90%
39	Crawford County T&Sb	Denison	83	$271M	11.72%	0.36%	24.95%
40	Libertyville Savings Bank	Fairfield	82	$379M	13.24%	1.02%	29.14%
41	Midwestone Bank	Iowa City	82	$6.6B	11.55%	0.59%	29.31%
42	Freedombank	Elkader	81	$429M	13.89%	0.31%	20.27%
43	Availa Bank	Carroll	81	$1.6B	12.09%	0.68%	28.57%
44	First Heritage Bank	Shenandoah	81	$64M	12.41%	0.00%	22.42%
45	Community Savings Bank	Edgewood	80	$578M	12.62%	0.26%	23.62%
46	Marion County State Bank	Pella	80	$649M	12.86%	0.67%	24.08%
47	Pilot Grove Savings Bank	Pilot Grove	80	$873M	13.06%	0.14%	17.35%
48	Reliance State Bank	Story City	80	$303M	11.03%	0.68%	29.69%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Iowa?

What does this tier look like financially?

Across 48 A-graded banks in Iowa, the average Tier 1 capital ratio is 16.52% and the average nonperforming-loan ratio is 0.28%. Combined assets in this cohort total $31.3B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Iowa →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 48 A-graded banks in Iowa. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.