Pocahontas State Bank
Pocahontas, IA
IDRSSD: 402846
Total Assets
$122.56M
Latest filing
Total Deposits
$85.94M
Latest filing
Net Interest Margin
2.78%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Pocahontas State Bank
233 N Main St
Pocahontas, IA 50574
Full Service - Brick and Mortar
Updated 02/17/2026Established 07/01/1926FDIC Certificate 187
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pocahontas State Bank (Main) | 233 N Main St | Pocahontas, IA |
| 11 WEST ELM BRANCH | 11 W Elm Ave | Pocahontas, 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 | 07/01/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50574 |
| State and County Number | 19151 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | 8 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pocahontasstatebank.net |
| Data Updated | 02/17/2026 |
| CERT | 234 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $122.56M |
| Total Deposits | $85.94M |
| Total Liabilities | $88.81M |
| Total Equity Capital | $33.75M |
| Net Income | $464.00k |
| Net Loans and Leases | $40.82M |
| Assets Per Employee ($Millions) | $15.32M |
| Bank Premises and Fixed Assets | $202.00k |
| Cash and Balances due from Depository Institutions | $2.27M |
| Deposits Held in Domestic Offices | $85.94M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 5.57% |
| Net Interest Margin | 2.78% |
| Efficiency Ratio | 37.47% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 27.535% |
| Earning Assets to total Assets | 94.58% |
Income and Expense
| Total Interest Income | $1.29M |
| Total Noninterest Income | $11.00k |
| Total Interest Expense | $475.00k |
| Total Noninterest Expense | $308.00k |
| Net Interest Income | $811.00k |
| Pre-tax Net Operating Income | $489.00k |
| Provision for Credit Losses | $25.00k |
| 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 | $1.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $535.00k |
| All Other Liabilities | $842.00k |
| Total Liabilities and Capital | $122.56M |
Securities
| Securities | $75.05M |
| Available-for-sale debt securities | $28.08M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $46.97M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pocahontas State Bank?
$122.56M as of the latest filing.
How much are Pocahontas State Bank's total deposits?
$85.94M in total deposits.
Where is Pocahontas State Bank located?
Pocahontas, IA.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
2.
When was it established?
07/01/1926.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$40.82M (latest filing).
What is the total interest income (latest filing)?
$1.29M.