← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Iowa, the state note

Bank Iowa

West Des Moines, Iowa · $2.35B in assets · beside the 11 other Iowa banks between $1B and $3B

The filing

8.6%
Equity / assets
12th of 12
1.38%
NPA / loans
11th of 12
63.4%
Efficiency
10th of 12

Bank Iowa is the fifth largest of the 12 Iowa banks nearest its size between $1B and $3B, with $2.35B in assets at 30 June 2026. Loans are 91.1% of deposits, 8th of 12 against a median of 87.6%, and equity is 8.6% of assets, the lowest in the cohort. Loans grew +7.1% in the year, 4th of 12, and deposits grew 8.7%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 1.38% of the book, 11th of 12 against a median of 0.41%; 0.23% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 36.8% of loans, 7th of 12 against a median of 35.2%, and 274% of capital, below the 300% screen, with construction at 79% against the 100% screen. CRE has grown +55.6% over 36 months, past the guidance's 50% prong.

Return on assets is 1.27%, 6th of 12 against a median of 1.26%, on an efficiency ratio of 63.4%, 10th of 12. Five years ago it was 1.26%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsIA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 10.3% CR Cedar Rapids Bank & Trust Co. 16.9% CB Cbi Bank & Trust 11.8% CS Community State Bank 11.6% FC First Citizens Bank 11.4% QC Quad City Bank & Trust Co. 11.4% CB Central Bank 10.3% FB Fidelity Bank & Trust 10.3% LS Lincoln Savings Bank 9.8% UB United Bank of Iowa 9.2% LS Luana Savings Bank 9.1% AB Availa Bank 9.0% BI Bank Iowa 8.6%
Loans, year over yearIA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.1% FB Fidelity Bank & Trust +38.4% CR Cedar Rapids Bank & Trust Co. +8.6% LS Luana Savings Bank +8.5% BI Bank Iowa +7.1% CS Community State Bank +7.0% CB Cbi Bank & Trust +6.3% AB Availa Bank +5.9% CB Central Bank +5.5% UB United Bank of Iowa +4.9% FC First Citizens Bank -3.0% QC Quad City Bank & Trust Co. -6.7% LS Lincoln Savings Bank -8.9%

SBA 7(a), FY2008 to FY2026

Bank Iowa is the 46th largest 7(a) lender into Iowa of 416, with $16M across 61 loans, 0.6% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 10 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Page, IA$5M1st of 683.9%-75.0 pts
Humboldt, IA$3M1st of 1027.7%-81.2 pts
Polk, IA$2M62nd of 1770.3%-0.3 pts
Webster, IA$1M10th of 234.0%quiet FY2008
Chickasaw, IA$1M4th of 711.6%thin
Floyd, IA$950K3rd of 119.6%thin
Adams, NE$800K2nd of 1220.2%quiet FY2009
Tarrant, TX$574K235th of 2810.0%quiet FY2009
Fayette, IA$383K7th of 202.6%+11.7 pts
Alameda, CA$338K150th of 1790.0%quiet FY2010
Jasper, IA$251K25th of 340.7%quiet FY2017
Cerro Gordo, IA$240K19th of 280.3%thin
Montgomery, IA$230K7th of 82.4%quiet FY2009
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Real estate & leasing2$5M25.9%0.04%343rd of 1,452
Retail trade14$3M16.7%0.00%976th of 2,589
Information8$2M11.4%0.05%278th of 958
Arts, entertainment & recreation2$1M8.4%0.01%681st of 1,656
Accommodation & food services6$1M7.6%0.00%1453rd of 2,596
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Bank Iowa
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans BI Bank Iowa 0.5% $16M · 61 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank IowaRankCohort median
Total CRE against capital, the 300% screen274%10th of 12236%
Construction against capital, the 100% screen79%11th of 1244%
Construction and land development, share of loans10.6%9th of 126.7%
Non-owner-occupied nonfarm nonresidential, share of loans18.4%10th of 1214.5%
Total CRE, the guidance definition, share of loans36.8%7th of 1235.2%
CRE growth over 36 months, the third prong+55.6%11th of 12+27.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Cedar Rapids Bank & Trust Co.$2.90B2.7%40.6%0.54%0.23%1.2%96.9%16.9%
Quad City Bank & Trust Co.$2.77B1.5%53.4%0.51%0.52%1.2%79.2%11.4%
Fidelity Bank & Trust$2.60B1.3%50.8%1.26%0.01%1.1%89.5%10.3%
United Bank of Iowa$2.50B1.3%57.3%0.26%-0.01%1.4%85.6%9.2%
Bank Iowa$2.35B1.3%63.4%1.38%0.07%1.4%91.1%8.6%
Luana Savings Bank$2.34B0.9%47.6%0.11%0.00%1.0%94.7%9.1%
Central Bank$2.29B1.0%70.5%0.32%0.00%1.0%106.7%10.3%
First Citizens Bank$1.80B2.1%46.2%0.16%0.14%1.4%84.3%11.4%
Community State Bank$1.75B1.3%59.7%0.19%-0.01%1.0%102.2%11.6%
Availa Bank$1.73B0.9%61.4%0.26%0.04%1.2%83.8%9.0%
Lincoln Savings Bank$1.71B-1.0%88.3%4.32%0.00%1.5%80.3%9.8%
Cbi Bank & Trust$1.70B1.1%62.6%1.01%0.03%1.3%74.7%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank IowaCohort median
20212026Change20212026Change
Loans$1.15B$1.80B+56%$1.10B$1.74B+57%
Deposits$1.50B$1.97B+32%$1.41B$1.92B+36%
NPA / loans0.80%1.38%+0.58 pts0.28%0.41%+0.13 pts
Efficiency61.3%63.4%+2.1 pts59.7%58.5%-1.2 pts
ROA1.26%1.27%+0.01 pts1.31%1.26%-0.04 pts

This read was prepared for Bank Iowa's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank Iowa is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IA banks $1B to $3B
Institution www.bankiowa.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue