West Iowa Bank
West Bend, IA
IDRSSD: 137643
Total Assets
$169.59M
Latest filing
Total Deposits
$131.64M
Latest filing
Net Interest Margin
3.53%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073908155WEST BEND, IA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
West Iowa Bank
319 S Broadway Ave
West Bend, IA 50597
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1926FDIC Certificate 5831
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Iowa Bank (Main) | 319 S Broadway Ave | West Bend, IA |
| BODE BRANCH | 104 Humboldt Ave | Bode, IA |
| FENTON BRANCH | Maple Street | Fenton, IA |
| ALGONA BRANCH | 418 E Call St | Algona, IA |
| LAURENS BRANCH | 202 W Main St | Laurens, IA |
Showing 4 of 4
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 | 01/01/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50597 |
| State and County Number | 19109 |
| Subchapter S Corporations | No |
| 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 | 17 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/24/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.westiowabank.com |
| Data Updated | 01/30/2026 |
| CERT | 9105 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $169.59M |
| Total Deposits | $131.64M |
| Total Liabilities | $141.91M |
| Total Equity Capital | $27.68M |
| Net Income | $952.00k |
| Net Loans and Leases | $93.92M |
| Assets Per Employee ($Millions) | $9.42M |
| Bank Premises and Fixed Assets | $861.00k |
| Cash and Balances due from Depository Institutions | $2.78M |
| Deposits Held in Domestic Offices | $131.64M |
Key Performance Ratios
| Return on Assets (ROA) | 2.29% |
| Return on Equity (ROE) | 14.11% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 42.8% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 16.322% |
| Earning Assets to total Assets | 95.52% |
Income and Expense
| Total Interest Income | $1.97M |
| Total Noninterest Income | $501.00k |
| Total Interest Expense | $571.00k |
| Total Noninterest Expense | $811.00k |
| Net Interest Income | $1.39M |
| Pre-tax Net Operating Income | $1.08M |
| Provision for Credit Losses | $0 |
| 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 | $5.35M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.29M |
| All Other Liabilities | $634.00k |
| Total Liabilities and Capital | $169.59M |
Securities
| Securities | $67.26M |
| Available-for-sale debt securities | $67.26M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Iowa Bank?
$169.59M as of the latest filing.
How much are West Iowa Bank's total deposits?
$131.64M in total deposits.
Where is West Iowa Bank located?
West Bend, IA.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1926.
What is the Return on Assets (ROA)?
2.29%.
How much are total loans and leases?
$93.92M (latest filing).
What is the total interest income (latest filing)?
$1.97M.