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

United Bank of Iowa

Ida Grove, Iowa · $2.50B in assets · beside the 11 other Iowa banks between $1B and $3B

The filing

2.5%
CRE / loans
1st of 12
16.0%
CRE / capital
1st of 12
9.2%
Equity / assets
9th of 12

United Bank of Iowa is the fifth largest of the 12 Iowa banks nearest its size between $1B and $3B, with $2.50B in assets at 30 June 2026. Loans are 85.6% of deposits, 5th of 12 against a median of 90.3%, and equity is 9.2% of assets, 9th of 12. Loans grew +4.9% in the year, 9th of 12, and deposits grew 3.8%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 0.26% of the book, 6th of 12 against a median of 0.29%; 0.17% is 30 to 89 days past due, and the allowance covers them 5.3 times. Commercial real estate is 2.5% of loans, the lowest in the cohort against a median of 35.2%, and 16% of capital, below the 300% screen, with construction at 7% against the 100% screen.

Return on assets is 1.26%, 8th of 12 against a median of 1.27%, on an efficiency ratio of 57.3%, 6th of 12. Five years ago it was 1.73%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansIA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 35.2% UB United Bank of Iowa 2.5% FB Fidelity Bank & Trust 13.5% NB Northwest Bank 27.5% AB Availa Bank 29.0% FC First Citizens Bank 33.6% CB Central Bank 33.6% BI Bank Iowa 36.8% LS Lincoln Savings Bank 37.7% LS Luana Savings Bank 39.9% QC Quad City Bank & Trust Co. 45.9% CR Cedar Rapids Bank & Trust Co. 56.6% CS Community State Bank 64.1%
Loans, year over yearIA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.7% 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% AB Availa Bank +5.9% CB Central Bank +5.5% NB Northwest Bank +5.0% 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

United Bank of Iowa is the 28th largest 7(a) lender into Iowa of 416, with $26M across 108 loans, 0.9% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 19 of its 24 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
Ida, IA$8M1st of 657.3%+6.0 pts
Buena Vista, IA$3M1st of 1030.5%thin
Shelby, IA$2M4th of 816.4%quiet FY2017
Pocahontas, IA$2M2nd of 523.5%quiet FY2022
Crawford, IA$2M3rd of 716.3%-43.1 pts
Douglas, NE$2M72nd of 1450.2%quiet FY2008
Blue Earth, MN$2M14th of 351.6%quiet FY2009
Woodbury, IA$1M20th of 471.4%quiet FY2021
Carroll, IA$1M7th of 127.5%quiet FY2009
Boone, IA$980K9th of 233.9%thin
Cedar, IA$893K6th of 237.2%quiet FY2021
Sac, IA$868K2nd of 528.0%thin
Calhoun, IA$855K3rd of 713.9%quiet FY2022
11 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
Accommodation & food services28$9M28.1%0.01%621st of 2,596
Other services26$7M22.1%0.02%442nd of 2,248
Retail trade25$4M12.8%0.01%819th of 2,589
Manufacturing8$4M12.0%0.01%821st of 2,246
Mining & extraction1$2M5.4%0.11%178th of 426
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and United Bank of 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 UB United Bank of Iowa 0.9% $26M · 108 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, United Bank of Iowa among them; owner-occupied excluded; bold marks a screen met
United Bank of IowaRankCohort median
Total CRE against capital, the 300% screen16%1st of 12236%
Construction against capital, the 100% screen7%1st of 1248%
Construction and land development, share of loans1.0%1st of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans1.2%1st of 1214.5%
Total CRE, the guidance definition, share of loans2.5%1st of 1235.2%
CRE growth over 36 months, the third prong-34.2%1st of 12+23.6%

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
Northwest Bank$3.00B1.3%57.9%0.23%0.04%1.3%95.1%9.8%
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%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Bank of IowaCohort median
20212026Change20212026Change
Loans$1.29B$1.68B+30%$1.22B$1.83B+50%
Deposits$1.64B$1.96B+20%$1.44B$1.96B+37%
NPA / loans0.59%0.26%-0.33 pts0.42%0.29%-0.13 pts
Efficiency50.3%57.3%+7.0 pts59.3%57.6%-1.7 pts
ROA1.73%1.26%-0.47 pts1.31%1.27%-0.03 pts

This read was prepared for United Bank of 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 United Bank of 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.unitedbk.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.
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