Iowa Trust & Savings Bank
Emmetsburg, IA
IDRSSD: 649342
Total Assets
$524.13M
Latest filing
Total Deposits
$395.46M
Latest filing
Net Interest Margin
3.39%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Iowa Trust & Savings Bank
2101 10th St
Emmetsburg, IA 50536
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1929FDIC Certificate 12306
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Iowa Trust & Savings Bank (Main) | 2101 10th St | Emmetsburg, IA |
| PANORA BRANCH | 120 E Main St | Panora, IA |
| CLIVE BRANCH | 15591 Hickman Road | Clive, IA |
| SAC CITY BRANCH | 1610 West Main Street | Sac City, IA |
Showing 3 of 3
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 | 07/01/1929 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50536 |
| State and County Number | 19147 |
| 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 | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 4 |
| 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 | 06/07/1961 |
| Primary Insurance Agency | DIF |
| Website | www.iowatrustbank.com |
| Data Updated | 11/14/2025 |
| CERT | 18400 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $524.13M |
| Total Deposits | $395.46M |
| Total Liabilities | $465.48M |
| Total Equity Capital | $58.65M |
| Net Income | $848.00k |
| Net Loans and Leases | $358.95M |
| Assets Per Employee ($Millions) | $10.28M |
| Bank Premises and Fixed Assets | $16.71M |
| Cash and Balances due from Depository Institutions | $36.88M |
| Deposits Held in Domestic Offices | $395.46M |
Key Performance Ratios
| Return on Assets (ROA) | 0.64% |
| Return on Equity (ROE) | 5.89% |
| Net Interest Margin | 3.39% |
| Efficiency Ratio | 79.94% |
| Tier 1 Risk-Based Capital Ratio | 12.551% |
| 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 | 11.189% |
| Earning Assets to total Assets | 92.83% |
Income and Expense
| Total Interest Income | $6.96M |
| Total Noninterest Income | $937.00k |
| Total Interest Expense | $2.83M |
| Total Noninterest Expense | $4.19M |
| Net Interest Income | $4.14M |
| Pre-tax Net Operating Income | $885.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $2.16M |
| Other borrowed funds | $53.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $217.00k |
| All Other Liabilities | $16.80M |
| Total Liabilities and Capital | $524.13M |
Securities
| Securities | $93.58M |
| Available-for-sale debt securities | $93.58M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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 Trust & Savings Bank?
$524.13M as of the latest filing.
How much are Iowa Trust & Savings Bank's total deposits?
$395.46M in total deposits.
Where is Iowa Trust & Savings Bank located?
Emmetsburg, IA.
What is the Net Interest Margin?
3.39%.
How many domestic offices does it operate?
4.
When was it established?
07/01/1929.
What is the Return on Assets (ROA)?
0.64%.
How much are total loans and leases?
$358.95M (latest filing).
What is the total interest income (latest filing)?
$6.96M.