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 6.10
Capitalization Index 9.50
Liquidity Index 2.20
Profitability Index 5.00
Stability Index 7.20
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 -5.58%
5-Year Asset Growth 13.79%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.52%
Non-Performing Loans to Capital 1.97%
Non-Performing Loans to Loans 0.16%
Balance Sheet Iowa Trust & Savings Bank
Emmetsburg, IA
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Total Assets 524.13M
Total Deposits 395.46M
Capital and Reserves Iowa Trust & Savings Bank
Emmetsburg, IA
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Capital 58.65M
Leverage Ratio 10.66
Loan Loss Reserves to Loans 1.57%
Risk-Based Capital Ratio 13.80
Liquidity Iowa Trust & Savings Bank
Emmetsburg, IA
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Hot Money Ratio 31.96%
Liquidity Ratio 15.64%
Profitability Iowa Trust & Savings Bank
Emmetsburg, IA
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5-Year Return on Average Assets 1.16%
Net Income 4.94M
Net Interest Spread 3.31%
Operating Profit to Average Assets 1.29%
Overhead Efficiency Ratio 68.26%
Return on Assets 1.23%
Return on Equity 11.75%