Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Iowa

61 banks · Average score: 73/100 · Combined assets $46.7B

61 banks in this state currently hold B grades, averaging a composite score of 73/100. 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 11.58% and an NPL ratio of 0.93%, sourced from the most recent FDIC quarterly Call Report.

61 Iowa banks hold a B grade (73/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B CDF

What "B" Means in Practice

B-graded banks in Iowa are healthy mid-tier institutions — composite scores of 65–79. Currently 61 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Iowa

Banks in this grade tier	61
Combined assets	$46.7B
Average composite score	73/100
Average Tier 1 capital ratio	11.58%
Average NPL ratio	0.93%

All B-Graded Banks in Iowa

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Elgin State Bank	Elgin	79	$29M	11.38%	0.27%	30.97%
2	Tri-Valley Bank	Randolph	79	$80M	10.08%	0.18%	35.24%
3	Pcsb Bank	Clarinda	79	$313M	10.86%	0.79%	41.82%
4	Ts Bank	Treynor	79	$450M	10.03%	0.62%	39.30%
5	Iowa Falls State Bank	Iowa Falls	79	$180M	10.25%	0.61%	40.76%
6	First Nb Ames Iowa	Ames	79	$1.1B	12.98%	1.43%	34.37%
7	Maxwell State Bank	Maxwell	79	$27M	10.84%	0.00%	58.07%
8	St Ansgar State Bank	Saint Ansgar	79	$178M	9.78%	0.27%	35.47%
9	Nsb Bank	Mason City	79	$450M	10.98%	0.05%	24.01%
10	Leighton State Bank	Pella	78	$265M	13.99%	1.05%	19.61%
11	Cedar Rapids Bank&Trust Co	Cedar Rapids	78	$2.5B	14.83%	0.72%	13.10%
12	United Bank of Iowa	Ida Grove	78	$2.4B	9.51%	0.38%	30.31%
13	City State Bank	Norwalk	77	$715M	11.39%	0.14%	20.72%
14	Heartland Bank	Somers	77	$243M	13.42%	0.62%	14.91%
15	Keystone Savings Bank	Marengo	77	$177M	15.90%	2.83%	32.17%
16	Fidelity Bank&Trust	Dubuque	76	$1.9B	11.43%	0.84%	26.24%
17	Hills Bank&Trust Co	Hills	76	$4.3B	12.75%	0.83%	18.96%
18	Decorah Bank&Trust Co	Decorah	76	$714M	13.15%	1.00%	20.89%
19	Clear Lake Bank&Trust Co	Clear Lake	76	$579M	10.69%	0.07%	19.81%
20	Commercial Savings Bank	Carroll	76	$298M	11.18%	0.38%	23.40%
21	Glenwood State Bank	Glenwood	76	$305M	10.91%	1.66%	48.83%
22	Grinnell State Bank	Grinnell	75	$494M	13.76%	1.39%	21.77%
23	Iowa St B&T Co Fairfld Ia	Fairfield	75	$265M	10.69%	0.06%	20.63%
24	West Bank	West des Moines	75	$4.0B	11.79%	0.02%	18.63%
25	Manufacturers Bank&Trust Co	Forest City	75	$769M	10.95%	0.34%	22.85%
26	Cusb Bank	Cresco	75	$755M	11.84%	0.15%	18.28%
27	Trubank	Indianola	75	$416M	9.70%	0.64%	28.56%
28	First Bank Hampton	Hampton	75	$223M	11.40%	0.06%	17.36%
29	Central State Bank	State Center	74	$548M	10.36%	0.00%	21.81%
30	Sanborn Savings Bank	Sanborn	74	$85M	9.13%	0.02%	25.30%
31	Bank Iowa	West des Moines	74	$2.1B	10.59%	0.50%	22.92%
32	Rolling Hills Bank&Trust	Atlantic	74	$435M	11.08%	0.01%	15.60%
33	Montezuma State Bank	Montezuma	74	$53M	13.20%	3.42%	55.53%
34	Pioneer Bank	Sergeant Bluff	74	$253M	9.43%	0.00%	22.86%
35	Success Bank	Bloomfield	73	$251M	11.72%	0.23%	17.69%
36	Twin Cedars Bank	Bussey	73	$90M	14.59%	0.38%	11.16%
37	County Bank	Sigourney	72	$230M	12.23%	0.38%	11.33%
38	Defiance State Bank	Defiance	72	$40M	9.39%	0.41%	23.85%
39	Sloan State Bank	Sloan	72	$69M	11.67%	2.84%	56.66%
40	Danville State Savings Bank	New London	71	$172M	13.00%	2.88%	33.27%
41	Kerndt Brothers Savings Bank	Lansing	71	$350M	9.44%	0.41%	24.14%
42	Exchange State Bank	Ames	70	$136M	10.68%	0.00%	12.19%
43	Denver Savings Bank	Denver	70	$244M	10.33%	0.00%	19.45%
44	Solon State Bank	Solon	70	$128M	21.58%	12.19%	37.46%
45	Raccoon Valley Bank	Perry	70	$441M	11.17%	0.70%	18.56%
46	Luana Savings Bank	Luana	70	$2.0B	10.10%	0.01%	17.74%
47	Freedom Financial Bank	West des Moines	70	$268M	9.86%	0.00%	16.46%
48	Iowa State Bank	Sac City	69	$197M	11.12%	1.03%	18.35%
49	Mediapolis Savings Bank	Mediapolis	69	$252M	9.25%	0.99%	25.03%
50	Wcf Financial Bank	Webster City	69	$207M	13.85%	0.39%	12.58%
51	Bankers Trust Co	Des Moines	69	$6.7B	10.26%	0.07%	16.65%
52	First Trust&Savings Bank	Coralville	68	$58M	17.93%	3.70%	72.82%
53	Home State Bank	Jefferson	68	$426M	10.13%	0.44%	17.64%
54	Waukon State Bank	Waukon	67	$394M	10.43%	0.00%	12.22%
55	State Bank of Schaller	Schaller	66	$41M	13.63%	4.65%	68.59%
56	Malvern Bank	Malvern	66	$216M	10.64%	0.00%	12.60%
57	Peoples Savings Bank	Wellsburg	66	$173M	9.41%	0.47%	19.87%
58	Quad City Bank&Trust Co	Bettendorf	66	$2.5B	11.66%	0.66%	13.09%
59	Bankiowa	Cedar Rapids	65	$836M	10.79%	1.14%	18.20%
60	Bank Midwest	Spirit Lake	65	$1.3B	10.62%	0.57%	14.78%
61	Two Rivers Bank&Trust	Burlington	65	$1.2B	10.54%	0.87%	15.50%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Iowa?

What does this tier look like financially?

Across 61 B-graded banks in Iowa, the average Tier 1 capital ratio is 11.58% and the average nonperforming-loan ratio is 0.93%. Combined assets in this cohort total $46.7B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 2026-06-29 · 61 B-graded banks in Iowa. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.