B
Earlham Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Earlham Savings Bank
West Des Moines, IA
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Rating B
Asset Quality Index 8.60
Capitalization Index 7.70
Liquidity Index 3.70
Profitability Index 5.90
Stability Index 5.40
Company Info Earlham Savings Bank
West Des Moines, IA
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FDIC Number 5796
Phone Number (515) 223-4753
Website www.earlhambank.com
Asset Quality Earlham Savings Bank
West Des Moines, IA
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1-Year Asset Growth 2.52%
5-Year Asset Growth 3.45%
5-Year Charge-Offs to Average Loans -0.10%
Charge-Offs to Average Loans -1.11%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 1.33%
Non-Performing Loans to Loans 0.00%
Balance Sheet Earlham Savings Bank
West Des Moines, IA
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Total Assets 370.12M
Total Deposits 333.23M
Capital and Reserves Earlham Savings Bank
West Des Moines, IA
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Capital 35.49M
Leverage Ratio 9.44
Loan Loss Reserves to Loans 2.33%
Risk-Based Capital Ratio 18.13
Liquidity Earlham Savings Bank
West Des Moines, IA
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Hot Money Ratio 7.07%
Liquidity Ratio 43.28%
Profitability Earlham Savings Bank
West Des Moines, IA
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5-Year Return on Average Assets 0.35%
Net Income 3.80M
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.76%
Overhead Efficiency Ratio 60.84%
Return on Assets 1.36%
Return on Equity 15.02%