B
Iowa Trust & Savings Bank
Rating Date
March 2026
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 B
Asset Quality Index 5.90
Capitalization Index 9.50
Liquidity Index 2.60
Profitability Index 4.90
Stability Index 7.60
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 -3.35%
5-Year Asset Growth 8.73%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.04%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 2.49%
Non-Performing Loans to Loans 0.43%
Balance Sheet Iowa Trust & Savings Bank
Emmetsburg, IA
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Total Assets 523.44M
Total Deposits 394.24M
Capital and Reserves Iowa Trust & Savings Bank
Emmetsburg, IA
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Capital 59.24M
Leverage Ratio 10.65
Loan Loss Reserves to Loans 1.65%
Risk-Based Capital Ratio 14.24
Liquidity Iowa Trust & Savings Bank
Emmetsburg, IA
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Hot Money Ratio 32.23%
Liquidity Ratio 20.66%
Profitability Iowa Trust & Savings Bank
Emmetsburg, IA
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5-Year Return on Average Assets 1.16%
Net Income 6.30M
Net Interest Spread 3.36%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 68.38%
Return on Assets 1.19%
Return on Equity 11.09%