FDIC Cert #16547 · Estherville, Iowa · Est. 1947

Bank Plus - FDIC Bank Health Profile

A community-scale look at Bank Plus's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$157M
Total assets
B
Health grade · Good
0.85%
Return on assets
10.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank Plus earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.11% Tier 1, 0.85% ROA, 76% efficiency ratio.

#3,294
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
10.11%
Tier 1 ratio - above the 10% well-capitalized line
32nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16547 · IA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3478/4307
  • PHOTO-FINISH Carver State Bank · GA
  • TIER1-WELL 10.1% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Carver State Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank Plus

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Plus · IA · this bank66/100Carver State Bank · GA · near66/100First State Bank · TX · near66/100National Bank of St.… · IL ·…66/100The Peoples Bank · KY · near66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank Plus · July 2026

What Bank Plus's Call Report plate shows

Bank Plus (FDIC Cert #16547) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,478 of 4,307. Tier 1 capital prints at 10.11%, clearing the 10% well-capitalized line. The Texas Ratio is 4.90%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $157M, 3,294th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Carver State Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank Plus

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Bank Plus's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank Plus remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Bank Plus's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Bank Plus's composite health score
Tier 1 Capital Ratio (10.11%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (4.90%) 20/20
Efficiency Ratio (75.60%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$157M

Total balance-sheet footings

Total Deposits

$110M

Customer-funded liabilities

Net Loans

$128M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.71% 10.11% 11.51%
Basel III capital ratios - Bank Plus

Where Bank Plus ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank Plus's score of 66/100 falls in the highlighted band.

Bank Plus: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 19th percentile higher than 19% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank Plus 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank Plus's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank Plus's $157M falls in the highlighted band.

Safety ratios for Bank Plus

Tier 1 capital ratio
Well-capitalized 10%

10.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.11%
Texas Ratio
4.90%
Equity Capital
$17M

What these ratios mean →

Profitability metrics: Bank Plus

Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
7.83%
Efficiency Ratio
75.60%

What these mean →

Income & expense at Bank Plus

$8M
Interest Income
$243K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank Plus reports a Texas Ratio of 4.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank Plus on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($157M here), outside Iowa so the neighborhood is not state containment.

Fidelity Bank of Texas $157M · TX Graham Savings and Loan, SSB $157M · TX First National Bank of Fort Stockton $157M · TX Bank of Estes Park $157M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank Plus (FDIC Cert #16547) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank Plus Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%