Twin Cedars Bank
Bussey, IA
IDRSSD: 750444
Total Assets
$121.10M
Latest filing
Total Deposits
$103.84M
Latest filing
Net Interest Margin
4.49%
Profitability
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 | 03/27/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50044 |
| State and County Number | 19125 |
| 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 | Pella, IA |
Operational Info
| Number of Employees | 19 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.twincedars.bank |
| Data Updated | 11/14/2025 |
| CERT | 1556 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $121.10M |
| Total Deposits | $103.84M |
| Total Liabilities | $107.58M |
| Total Equity Capital | $13.53M |
| Net Income | $-160,000 |
| Net Loans and Leases | $99.96M |
| Assets Per Employee ($Millions) | $6.06M |
| Bank Premises and Fixed Assets | $1.74M |
| Cash and Balances due from Depository Institutions | $16.03M |
| Deposits Held in Domestic Offices | $103.84M |
Key Performance Ratios
| Return on Assets (ROA) | -0.55% |
| Return on Equity (ROE) | -4.7% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 69.8% |
| Tier 1 Risk-Based Capital Ratio | 12.796% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.89% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.168% |
| Earning Assets to total Assets | 92.5% |
Income and Expense
| Total Interest Income | $2.04M |
| Total Noninterest Income | $49.00k |
| Total Interest Expense | $807.00k |
| Total Noninterest Expense | $930.00k |
| Net Interest Income | $1.23M |
| Pre-tax Net Operating Income | $-206,000 |
| Provision for Credit Losses | $554.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $7.00k |
| Other borrowed funds | $3.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $736.00k |
| Total Liabilities and Capital | $121.10M |
Securities
| Securities | $14.00k |
| 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 Twin Cedars Bank?
$121.10M as of the latest filing.
How much are Twin Cedars Bank's total deposits?
$103.84M in total deposits.
Where is Twin Cedars Bank located?
Bussey, IA.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
4.
When was it established?
03/27/1931.
What is the Return on Assets (ROA)?
-0.55%.
How much are total loans and leases?
$99.96M (latest filing).
What is the total interest income (latest filing)?
$2.04M.