Iowa Falls State Bank
Major Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 8.6. A current level of 1.4 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (41%), home mtgs (15%), comm re (8%), comm loans (5%), cash (2%), home eq lns (2%), consumer loans (1%), other (26%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
FSB Financial Services, Inc.
Investment Rating
--
Address
601 Washington Avenue
Iowa Falls, IA 50126
Iowa Falls, IA 50126
Phone Number
(641) 648-5171
Year Founded
1933
FDIC Number
Website
Largest Affiliates
Waterloo, IA
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Bank