Total Assets
$256M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Denver Savings Bank — FDIC Bank Health Profile
Denver, Iowa · Est. 1902. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #12857 Kansas City Region
F
Health grade
At Risk
Score: 7/100
Basel III capital ratios — Denver Savings Bank
Total Deposits
$193M
Customer-funded liabilities
Net Loans
$172M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$25M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.45%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
4.72%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
81.44%
Income & Expense Breakdown
$13M
Interest Income
$451K
Non-Interest Income
$6M
Non-Interest Expense
FDIC Deposit Insurance
Denver Savings Bank is FDIC-insured (Certificate #12857). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Denver Savings Bank
Denver Savings Bank is an FDIC-insured institution (Certificate #12857) headquartered in Denver, Iowa, established in 1902. The bank currently holds $256M in total assets and $193M in customer deposits, with $172M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Denver Savings Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $25M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.45% and a Return on Equity of 4.72%, with an Efficiency Ratio of 81.44% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (7/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Denver Savings Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Iowa by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Denver Savings Bank (FDIC Cert #12857) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Des Moines | $9.3B | B | 1.24% |
| Bankers Trust Company Des Moines | $7.5B | C | 1.10% |
| MidWestOne Bank Iowa City | $6.3B | B | 1.12% |
| Hills Bank and Trust Company Hills | $4.6B | D | 1.36% |
| West Bank West Des Moines | $4.1B | C | 0.94% |
| Northwest Bank Spencer | $3.0B | C | 1.03% |
| Cedar Rapids Bank and Trust Company Cedar Rapids | $2.9B | B | 2.83% |
| Quad City Bank and Trust Company Bettendorf | $2.7B | B | 1.30% |
Frequently Asked Questions
What is Denver Savings Bank's health grade? ▼
Denver Savings Bank receives a health grade of F (7/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Denver Savings Bank? ▼
Denver Savings Bank holds $256M in total assets and $193M in deposits. It is headquartered in Denver, Iowa.
Is my money safe at Denver Savings Bank? ▼
Yes. Denver Savings Bank is FDIC-insured (Certificate #12857). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Denver Savings Bank's Tier 1 Capital Ratio? ▼
Denver Savings Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Denver Savings Bank? ▼
Denver Savings Bank has an Efficiency Ratio of 81.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.