Iowa State Savings Bank
Creston, IA
IDRSSD: 869346
Total Assets
$287.08M
Latest filing
Total Deposits
$255.55M
Latest filing
Net Interest Margin
3.55%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073920939ALGONA, IA
Key People
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Locations
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Main Office
Iowa State Savings Bank
401 W Adams St
Creston, IA 50801
Full Service - Brick and Mortar
Updated 04/10/2026Established 01/01/1883FDIC Certificate 5568
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Iowa State Savings Bank (Main) | 401 W Adams St | Creston, IA |
| LENOX BRANCH | 200 N Main St | Lenox, IA |
| IOWA STATE SAVINGS BANK - SOUTHERN BRANCH | 504 W Taylor St | Creston, IA |
Showing 2 of 2
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 | 01/01/1883 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50801 |
| State and County Number | 19175 |
| Subchapter S Corporations | No |
| 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 | N/A |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.issbbank.com |
| Data Updated | 04/10/2026 |
| CERT | 8751 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $287.08M |
| Total Deposits | $255.55M |
| Total Liabilities | $260.19M |
| Total Equity Capital | $26.88M |
| Net Income | $1.04M |
| Net Loans and Leases | $158.48M |
| Assets Per Employee ($Millions) | $8.7M |
| Bank Premises and Fixed Assets | $1.57M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $255.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.46% |
| Return on Equity (ROE) | 15.38% |
| Net Interest Margin | 3.55% |
| Efficiency Ratio | 51.63% |
| Tier 1 Risk-Based Capital Ratio | 15.324% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.365% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $3.23M |
| Total Noninterest Income | $296.00k |
| Total Interest Expense | $826.00k |
| Total Noninterest Expense | $1.43M |
| Net Interest Income | $2.40M |
| Pre-tax Net Operating Income | $1.35M |
| Provision for Credit Losses | $-84,000 |
| 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 | $1.17M |
| Federal Funds Purchased and Repurchased Agreement | $2.64M |
| All Other Liabilities | $2.00M |
| Total Liabilities and Capital | $287.08M |
Securities
| Securities | $92.93M |
| Available-for-sale debt securities | $92.93M |
| 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 Iowa State Savings Bank?
$287.08M as of the latest filing.
How much are Iowa State Savings Bank's total deposits?
$255.55M in total deposits.
Where is Iowa State Savings Bank located?
Creston, IA.
What is the Net Interest Margin?
3.55%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1883.
What is the Return on Assets (ROA)?
1.46%.
How much are total loans and leases?
$158.48M (latest filing).
What is the total interest income (latest filing)?
$3.23M.