South Ottumwa Savings Bank

BankOttumwa, Iowa
www.sosb-ia.com

Total Assets

$518.9M

Total Deposits

$429.5M

Branches

6

Established

1903

TFS Health Grade

$
C

75.9 / 100

Average financial health

How we grade

South Ottumwa Savings Bank is a bank headquartered in Ottumwa, Iowa, established in 1903. With $518.9M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (75.9/100).

Capital & Safety

Tier 1 Capital Ratio
13.30%(8%)
Total Capital Ratio
19.21%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
1.25%(1%)
Return on Equity (ROE)
9.64%(10%)
Net Interest Margin
3.24%
Efficiency Ratio
58.73%(60%)

Lending & Liquidity

Total Loans
$323.2M
Loan-to-Deposit Ratio
74.45%
Net Charge-Off Ratio
0.18%

Growth

Asset Growth (YoY)
-4.20%
Deposit Growth (YoY)
-6.69%
Net Income
$6.7M

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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