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State Savings Bank

Bedford, IA
IDRSSD: 792640
Total Assets
$190.85M
Latest filing
Total Deposits
$165.56M
Latest filing
Net Interest Margin
4.20%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1915
Community BankYes
Ownership TypeNot Mutual
ZIP50833
State and County Number19173
Subchapter S CorporationsYes
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees27
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance09/29/1934
Primary Insurance AgencyDIF
Websitewww.statesavings.bank
Data Updated11/14/2025
CERT14773
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$190.85M
Total Deposits$165.56M
Total Liabilities$167.87M
Total Equity Capital$22.98M
Net Income$719.00k
Net Loans and Leases$169.90M
Assets Per Employee ($Millions)$7.07M
Bank Premises and Fixed Assets$1.93M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$165.56M

Key Performance Ratios

Return on Assets (ROA)1.51%
Return on Equity (ROE)12.71%
Net Interest Margin4.2%
Efficiency Ratio43.23%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.32%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.041%
Earning Assets to total Assets93.84%

Income and Expense

Total Interest Income$2.92M
Total Noninterest Income$98.00k
Total Interest Expense$1.04M
Total Noninterest Expense$1.08M
Net Interest Income$1.88M
Pre-tax Net Operating Income$749.00k
Provision for Credit Losses$150.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$1.55M
Federal Funds Sold & Reverse Repurchase Agreement$5.65M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$766.00k
Total Liabilities and Capital$190.85M

Securities

Securities$0
Available-for-sale debt securities$0
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 State Savings Bank?
$190.85M as of the latest filing.
How much are State Savings Bank's total deposits?
$165.56M in total deposits.
Where is State Savings Bank located?
Bedford, IA.
What is the Net Interest Margin?
4.20%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
1.51%.
How much are total loans and leases?
$169.90M (latest filing).
What is the total interest income (latest filing)?
$2.92M.