Iowa Trust & Savings Bank

BankEmmetsburg, Iowa
www.iowatrustbank.com

Total Assets

$523.4M

Total Deposits

$394.2M

Branches

4

Established

1929

TFS Health Grade

$
C-

71.6 / 100

Average financial health

How we grade

Iowa Trust & Savings Bank is a bank headquartered in Emmetsburg, Iowa, established in 1929. With $523.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (71.6/100).

Capital & Safety

Tier 1 Capital Ratio
10.65%(8%)
Total Capital Ratio
14.24%(10%)
Non-Performing Loan Ratio
0.43%

Profitability

Return on Assets (ROA)
1.18%(1%)
Return on Equity (ROE)
11.08%(10%)
Net Interest Margin
3.35%
Efficiency Ratio
65.99%(60%)

Lending & Liquidity

Total Loans
$350.1M
Loan-to-Deposit Ratio
87.34%
Net Charge-Off Ratio
-0.04%

Growth

Asset Growth (YoY)
-3.35%
Deposit Growth (YoY)
-5.16%
Net Income
$6.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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