West Iowa Bank
West Bend, IA
IDRSSD: 137643
Total Assets
$162.35M
Latest filing
Total Deposits
$129.78M
Latest filing
Net Interest Margin
3.54%
Profitability
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 11/14/2025Established 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 | 11/14/2025 |
| CERT | 9105 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $162.35M |
| Total Deposits | $129.78M |
| Total Liabilities | $136.05M |
| Total Equity Capital | $26.30M |
| Net Income | $527.00k |
| Net Loans and Leases | $88.42M |
| Assets Per Employee ($Millions) | $9.55M |
| Bank Premises and Fixed Assets | $864.00k |
| Cash and Balances due from Depository Institutions | $2.46M |
| Deposits Held in Domestic Offices | $129.78M |
Key Performance Ratios
| Return on Assets (ROA) | 1.28% |
| Return on Equity (ROE) | 8.2% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 54.57% |
| 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 | 16.201% |
| Earning Assets to total Assets | 94.89% |
Income and Expense
| Total Interest Income | $1.96M |
| Total Noninterest Income | $64.00k |
| Total Interest Expense | $581.00k |
| Total Noninterest Expense | $788.00k |
| Net Interest Income | $1.38M |
| Pre-tax Net Operating Income | $656.00k |
| Provision for Credit Losses | $0 |
| 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 | $5.35M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $169.00k |
| All Other Liabilities | $757.00k |
| Total Liabilities and Capital | $162.35M |
Securities
| Securities | $64.84M |
| Available-for-sale debt securities | $64.84M |
| 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 West Iowa Bank?
$162.35M as of the latest filing.
How much are West Iowa Bank's total deposits?
$129.78M in total deposits.
Where is West Iowa Bank located?
West Bend, IA.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1926.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$88.42M (latest filing).
What is the total interest income (latest filing)?
$1.96M.