C
Iowa Trust & Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Iowa Trust & Savings Bank
Emmetsburg, IA
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Rating C
Asset Quality Index 6.60
Capitalization Index 8.80
Liquidity Index 1.70
Profitability Index 5.30
Stability Index 5.00
Company Info Iowa Trust & Savings Bank
Emmetsburg, IA
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FDIC Number 18400
Phone Number (712) 852-3451
Website www.iowatrustbank.com
Asset Quality Iowa Trust & Savings Bank
Emmetsburg, IA
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1-Year Asset Growth -2.18%
5-Year Asset Growth 13.79%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 0.73%
Non-Performing Loans to Loans 0.10%
Balance Sheet Iowa Trust & Savings Bank
Emmetsburg, IA
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Total Assets 528.42M
Total Deposits 402.48M
Capital and Reserves Iowa Trust & Savings Bank
Emmetsburg, IA
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Capital 56.47M
Leverage Ratio 10.22
Loan Loss Reserves to Loans 1.45%
Risk-Based Capital Ratio 13.32
Liquidity Iowa Trust & Savings Bank
Emmetsburg, IA
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Hot Money Ratio 31.74%
Liquidity Ratio 13.46%
Profitability Iowa Trust & Savings Bank
Emmetsburg, IA
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5-Year Return on Average Assets 1.16%
Net Income 4.09M
Net Interest Spread 3.28%
Operating Profit to Average Assets 1.58%
Overhead Efficiency Ratio 61.75%
Return on Assets 1.52%
Return on Equity 14.80%