Cedar Valley Bank & Trust
La Porte City, IA
IDRSSD: 1014246
Total Assets
$121.37M
Latest filing
Total Deposits
$109.32M
Latest filing
Net Interest Margin
4.41%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Cedar Valley Bank & Trust
321 Main St
La Porte City, IA 50651
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/06/1906FDIC Certificate 9190
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cedar Valley Bank & Trust (Main) | 321 Main St | La Porte City, IA |
| VINTON BRANCH | 405 W 3rd St | Vinton, IA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/06/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50651 |
| State and County Number | 19013 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Waterloo-Cedar Falls, IA |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/22/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cedarvalleybank.com |
| Data Updated | 01/30/2026 |
| CERT | 14694 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $121.37M |
| Total Deposits | $109.32M |
| Total Liabilities | $110.56M |
| Total Equity Capital | $10.81M |
| Net Income | $219.00k |
| Net Loans and Leases | $112.23M |
| Assets Per Employee ($Millions) | $6.74M |
| Bank Premises and Fixed Assets | $534.00k |
| Cash and Balances due from Depository Institutions | $2.20M |
| Deposits Held in Domestic Offices | $109.32M |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 8.14% |
| Net Interest Margin | 4.41% |
| Efficiency Ratio | 77.01% |
| Tier 1 Risk-Based Capital Ratio | 12.106% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.909% |
| Earning Assets to total Assets | 97.34% |
Income and Expense
| Total Interest Income | $1.74M |
| Total Noninterest Income | $37.00k |
| Total Interest Expense | $449.00k |
| Total Noninterest Expense | $1.02M |
| Net Interest Income | $1.29M |
| Pre-tax Net Operating Income | $238.00k |
| Provision for Credit Losses | $68.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $229.00k |
| Federal Funds Purchased and Repurchased Agreement | $950.00k |
| All Other Liabilities | $283.00k |
| Total Liabilities and Capital | $121.37M |
Securities
| Securities | $4.21M |
| Available-for-sale debt securities | $4.14M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cedar Valley Bank & Trust?
$121.37M as of the latest filing.
How much are Cedar Valley Bank & Trust's total deposits?
$109.32M in total deposits.
Where is Cedar Valley Bank & Trust located?
La Porte City, IA.
What is the Net Interest Margin?
4.41%.
How many domestic offices does it operate?
2.
When was it established?
07/06/1906.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$112.23M (latest filing).
What is the total interest income (latest filing)?
$1.74M.