Total Assets
$103M
Total balance-sheet footings
FDIC Cert #34857 · Oelwein, Iowa · Est. 1998
Community Bank of Oelwein - FDIC Bank Health Profile
A community-scale look at Community Bank of Oelwein's own numbers, pulled straight from its quarterly FDIC Call Report.
- $103M
- Total assets
- B
- Health grade · Good
- 0.83%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank of Oelwein earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.15% Tier 1, 0.83% ROA, 63% efficiency ratio.
- #3,716
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 13.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Community Bank of Oelwein's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bank of Oelwein's composite health score
Tier 1 Capital Ratio (13.15%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (1.37%) 20/20
Efficiency Ratio (63.37%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$83M
Customer-funded liabilities
Net Loans
$66M
Outstanding loan book
Net Income
$876K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank of Oelwein ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank of Oelwein's score of 77/100 falls in the highlighted band.
Community Bank of Oelwein'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). Community Bank of Oelwein's $103M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.15%
Texas Ratio
1.37%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
6.79%
Efficiency Ratio
63.37%
What the numbers say about Community Bank of Oelwein
Community Bank of Oelwein is an FDIC-insured institution (Certificate #34857) headquartered in Oelwein, Iowa, established in 1998. It holds $103M in total assets - 3,716th of 4,313 FDIC-insured banks, $83M in customer deposits, and $66M in net loans. Looking at capital strength, Tier 1 stands at 13.15%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.37%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Community Bank of Oelwein ranks 195th of 230 banks based in Iowa -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$5M
Interest Income
$167K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank of Oelwein reports a Texas Ratio of 1.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank of Oelwein (FDIC Cert #34857) - 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.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Community Bank of Oelwein's health grade?▼
Community Bank of Oelwein receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community Bank of Oelwein?▼
Community Bank of Oelwein holds $103M in total assets and $83M in deposits, ranking 3,716th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oelwein, Iowa.
Is my money safe at Community Bank of Oelwein?▼
Yes, deposits at Community Bank of Oelwein (Certificate #34857) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank of Oelwein's Tier 1 Capital Ratio?▼
Community Bank of Oelwein has a Tier 1 Capital Ratio of 13.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community Bank of Oelwein?▼
Community Bank of Oelwein has a Texas Ratio of 1.37%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bank of Oelwein?▼
Community Bank of Oelwein has an Efficiency Ratio of 63.37%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank of Oelwein's profile as a depositor or analyst.
- Community Bank of Oelwein's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank of Oelwein against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.