$1.23B
+6.4%y/y
Percentile by value27th percentileby value
FDIC
ASSETIS
Iowa State Bank
Hull, IowaFDIC Cert #13953
STATEEstablished 187914 branches
Holding company: VOGEL BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportIowa State Bank reported $1.23B in total assets. Deposits declined 2.37% over the prior year.
Return on assets was 1.49%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 11.38%.
- Why is Total Assets below its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$895M
−2.4%y/y
Percentile by value6th percentileby value
FDIC
DEP$866M
+9.8%y/y
Percentile by value28th percentileby value
FDIC
LNLSNET1.49%
+20 bpsy/y
Peer standing68th percentile
FDIC
NETINC + ROA49.35%
−257 bpsy/y
Peer standing81st percentile
FDIC
NONIX + NIM + NONII + EEFFR11.38%
+49 bpsy/y
Peer standing71st percentile
FDIC
RBC1AAJPercentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.
Side-by-side comparison
Iowa State Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.49%
Registry median
1.24%
This bank
14.44%
FFIEC trimmed average
12.61%
This bank
3.64%
Registry median
3.74%
This bank
49.35%
Registry median
59.83%
This bank
−2.37%
FFIEC trimmed average
+6.33%
This bank
+9.84%
FFIEC trimmed average
+7.26%
This bank
0.26%
FFIEC trimmed average
0.69%
This bank
11.38%
FFIEC trimmed average
10.68%
This bank
3.42%
Registry median
2.62%
This bank
Registry median
233%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.49%
Registry median
1.30%
This bank
14.44%
FFIEC trimmed average
12.38%
This bank
3.64%
Registry median
3.57%
This bank
49.35%
Registry median
57.18%
This bank
−2.37%
FFIEC trimmed average
+2.90%
This bank
+9.84%
FFIEC trimmed average
+4.08%
This bank
0.26%
FFIEC trimmed average
0.60%
This bank
11.38%
FFIEC trimmed average
11.37%
This bank
3.42%
Registry median
2.48%
This bank
Registry median
89%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $751M | $622M |
| Q3 2021 | $834M | $698M |
| Q4 2021 | $904M | $776M |
| Q1 2022 | $911M | $778M |
| Q2 2022 | $931M | $769M |
| Q3 2022 | $938M | $764M |
| Q4 2022 | $972M | $794M |
| Q1 2023 | $976M | $779M |
| Q2 2023 | $995M | $765M |
| Q3 2023 | $1.02B | $744M |
| Q4 2023 | $1.06B | $811M |
| Q1 2024 | $1.13B | $814M |
| Q2 2024 | $1.19B | $839M |
| Q3 2024 | $1.18B | $824M |
| Q4 2024 | $1.16B | $888M |
| Q1 2025 | $1.16B | $917M |
| Q2 2025 | $1.2B | $883M |
| Q3 2025 | $1.25B | $870M |
| Q4 2025 | $1.26B | $917M |
| Q1 2026 | $1.23B | $895M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $133M |
| Investor CRE | $4.68M |
| Multifamily | $30.5M |
| Construction | $27.9M |
| 1–4 family | $55.6M |
| C&I | $68.9M |
| Agriculture | $525M |
| Other | $31.2M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.49%68th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE14.44%67th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY3.64%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.35%81st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP−2.37%9th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+9.84%68th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.26%30th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ11.38%71st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.42%14th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.49%67th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.74%Median 1.30%90th 2.01%Observations 227
ROE
FDIC
NETINC + ROE14.44%68th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.51%Median 12.43%90th 19.27%Observations 227
NIM
FDIC
NIM + NIMY3.64%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.79%Median 3.57%90th 4.19%Observations 227
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR49.35%76th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.18%Median 57.18%90th 73.94%Observations 227
Deposits YoY
FDIC
DEP−2.37%14th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.60%Median +2.89%90th +9.28%Observations 227
Loans YoY
FDIC
LNLSNET+9.84%81st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.37%Median +4.31%90th +12.37%Observations 226
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.26%38th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.94%Observations 226
Leverage
FDIC
RBC1AAJ11.38%60th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.96%Median 10.85%90th 15.33%Observations 227
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.42%6th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.48%90th 3.29%Observations 227
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 89%90th 277%Observations 117
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 14 branches
- Headquarters
- Hull, IA
FDIC
OFFDOMOpen the Iowa dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data