D
Defiance State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Defiance State Bank
Defiance, IA
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Rating D
Asset Quality Index 8.10
Capitalization Index 9.50
Liquidity Index 0.20
Profitability Index 4.30
Stability Index 3.70
Company Info Defiance State Bank
Defiance, IA
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FDIC Number 17450
Phone Number (712) 748-3561
Website www.defiancestatebank.com
Asset Quality Defiance State Bank
Defiance, IA
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1-Year Asset Growth -4.10%
5-Year Asset Growth 3.34%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.75%
Non-Performing Loans to Loans 0.00%
Balance Sheet Defiance State Bank
Defiance, IA
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Total Assets 38.93M
Total Deposits 30.56M
Capital and Reserves Defiance State Bank
Defiance, IA
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Capital 4.11M
Leverage Ratio 10.67
Loan Loss Reserves to Loans 0.60%
Risk-Based Capital Ratio --
Liquidity Defiance State Bank
Defiance, IA
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Hot Money Ratio 29.61%
Liquidity Ratio 22.54%
Profitability Defiance State Bank
Defiance, IA
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5-Year Return on Average Assets 0.49%
Net Income 288.00K
Net Interest Spread 4.06%
Operating Profit to Average Assets 0.99%
Overhead Efficiency Ratio 75.39%
Return on Assets 0.96%
Return on Equity 9.58%