C
Iowa Trust & Savings Bank
Rating Date
April 2025
Risk Based
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Major Rating Factors: A current level of 6.2 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.5) profitability.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.5.
Asset Mix: Comm re (19%), securities (16%), home mtgs (8%), cash (7%), comm loans (5%), consumer loans (0%), other (46%)
States with Branches: IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
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Loan Loss Reserves to Loans
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5-Year Charge-Offs to Average Loans
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Hot Money
Corporate Info
Group Affiliation
Emmetsburg Bank Shares, Inc.
Investment Rating
--
Address
2101 10th Street
Emmetsburg, IA 50536
Phone Number
(712) 852-3451
Year Founded
1929
FDIC Number
Largest Affiliates
No affiliate information available.