Defiance State Bank
Defiance, IA
IDRSSD: 902645
Total Assets
$42.49M
Latest filing
Total Deposits
$33.67M
Latest filing
Net Interest Margin
3.84%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Defiance State Bank
201 Main Ave
Defiance, IA 51527
Full Service - Brick and Mortar
Updated 04/10/2026Established 09/01/1951FDIC Certificate 11439
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Defiance State Bank (Main) | 201 Main Ave | Defiance, IA |
| DOW CITY BRANCH | 254 Franklin Street | Dow City, IA |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Community State Bank
Paton, Iowa
→
Assets: $42.84MΔ +2.5%
State Bank of Schaller
Schaller, Iowa
→
Assets: $39.76MΔ -4.8%
Cornerstone Bank
Clarinda, Iowa
→
Assets: $44.64MΔ +6.8%
Heritage Bank
Marion, Iowa
→
Assets: $38.57MΔ -7.7%
The First National Bank of Primghar
Primghar, Iowa
→
Assets: $38.56MΔ -7.7%
Palo Savings Bank
Palo, Iowa
→
Assets: $47.29MΔ +13.2%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/01/1951 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51527 |
| State and County Number | 19165 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| 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 | N/A |
Operational Info
| Number of Employees | 7 |
| 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 | 06/08/1955 |
| Primary Insurance Agency | DIF |
| Website | defiancestatebank.com |
| Data Updated | 04/10/2026 |
| CERT | 17450 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $42.49M |
| Total Deposits | $33.67M |
| Total Liabilities | $38.36M |
| Total Equity Capital | $4.13M |
| Net Income | $73.00k |
| Net Loans and Leases | $31.85M |
| Assets Per Employee ($Millions) | $6.07M |
| Bank Premises and Fixed Assets | $95.00k |
| Cash and Balances due from Depository Institutions | $3.60M |
| Deposits Held in Domestic Offices | $33.67M |
Key Performance Ratios
| Return on Assets (ROA) | 0.69% |
| Return on Equity (ROE) | 7.14% |
| Net Interest Margin | 3.84% |
| Efficiency Ratio | 81.28% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.715% |
| Earning Assets to total Assets | 93.03% |
Income and Expense
| Total Interest Income | $509.00k |
| Total Noninterest Income | $16.00k |
| Total Interest Expense | $135.00k |
| Total Noninterest Expense | $317.00k |
| Net Interest Income | $374.00k |
| Pre-tax Net Operating Income | $73.00k |
| Provision for Credit Losses | $0 |
| 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 | $4.44M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $252.00k |
| Total Liabilities and Capital | $42.49M |
Securities
| Securities | $4.82M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.82M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Defiance State Bank?
$42.49M as of the latest filing.
How much are Defiance State Bank's total deposits?
$33.67M in total deposits.
Where is Defiance State Bank located?
Defiance, IA.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
2.
When was it established?
09/01/1951.
What is the Return on Assets (ROA)?
0.69%.
How much are total loans and leases?
$31.85M (latest filing).
What is the total interest income (latest filing)?
$509.00k.