South Ottumwa Savings Bank
Ottumwa, IA
IDRSSD: 75446
Total Assets
$525.48M
Latest filing
Total Deposits
$424.40M
Latest filing
Net Interest Margin
3.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
South Ottumwa Savings Bank
320 Church St
Ottumwa, IA 52501
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1903FDIC Certificate 5826
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| South Ottumwa Savings Bank (Main) | 320 Church St | Ottumwa, IA |
| HEDRICK BRANCH | 101 S Main St | Hedrick, IA |
| 102 SOUTH MAIN BRANCH | 102 S Main St | Albia, IA |
| NORTH COURT BRANCH | 2525 N Court St | Ottumwa, IA |
| ALBIA DRIVE-THRU BRANCH | 217 S Main St | Albia, IA |
| WEST LIBERTY STATE BANK BRANCH | 101 E 4th St | West Liberty, IA |
Showing 5 of 5
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
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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 | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52501 |
| State and County Number | 19179 |
| 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 | Ottumwa, IA |
Operational Info
| Number of Employees | 71 |
| Domestic Offices | 6 |
| 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.sosb-ia.com |
| Data Updated | 11/14/2025 |
| CERT | 9099 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $525.48M |
| Total Deposits | $424.40M |
| Total Liabilities | $452.24M |
| Total Equity Capital | $73.24M |
| Net Income | $1.83M |
| Net Loans and Leases | $323.81M |
| Assets Per Employee ($Millions) | $7.2M |
| Bank Premises and Fixed Assets | $5.86M |
| Cash and Balances due from Depository Institutions | $6.74M |
| Deposits Held in Domestic Offices | $424.40M |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 10.34% |
| Net Interest Margin | 3.33% |
| Efficiency Ratio | 57.2% |
| Tier 1 Risk-Based Capital Ratio | 17.799% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.938% |
| Earning Assets to total Assets | 91.99% |
Income and Expense
| Total Interest Income | $5.80M |
| Total Noninterest Income | $671.00k |
| Total Interest Expense | $1.78M |
| Total Noninterest Expense | $2.70M |
| Net Interest Income | $4.01M |
| Pre-tax Net Operating Income | $1.90M |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $75.00k |
| Other borrowed funds | $12.62M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $12.90M |
| All Other Liabilities | $2.32M |
| Total Liabilities and Capital | $525.48M |
Securities
| Securities | $159.11M |
| Available-for-sale debt securities | $159.11M |
| 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 South Ottumwa Savings Bank?
$525.48M as of the latest filing.
How much are South Ottumwa Savings Bank's total deposits?
$424.40M in total deposits.
Where is South Ottumwa Savings Bank located?
Ottumwa, IA.
What is the Net Interest Margin?
3.33%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$323.81M (latest filing).
What is the total interest income (latest filing)?
$5.80M.