🏦Bank Scorer

IOWA TRUST & SAVINGS BANK

EMMETSBURG, IA · Supervised by FDIC

Est. 1929FDIC #18,400RSSD: FDIC-18400
Part ofEMMETSBURG BANK SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.77%

Institution Profile

FDIC BankFind

Address

2101 10th St, EMMETSBURG, IA

County

Palo Alto County

Established

July 1, 1929

Total Assets

$518M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$518M

Total Deposits

$392M

Net Loans

$364M

Net Income

$1M

ROA

0.77%

ROE

6.79%

Risk-Based Capital

13.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.63%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$402M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243284.38%15.63%
20232796.3%3.70%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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