FDIC Cert #13931 · Schaller, Iowa · Est. 1898

State Bank of Schaller - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$40M
Total assets
A
Health grade · Excellent
1.19%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

State Bank of Schaller earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.55% Tier 1, profitable at 1.19% ROA, efficient (59% cost ratio).

#4,188
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
13.55%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 13931 · IA A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1717/4307
  • PHOTO-FINISH CNB Bank · PA
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 13.0% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: CNB Bank, PA (±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 State Bank of Schaller

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trust · MO ·…83/100CNB Bank · PA · near83/100Cornhusker Bank · NE · near83/100First Liberty Bank · OK · ne…83/100State Bank of Schaller · IA …83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around State Bank of Schaller · July 2026

What State Bank of Schaller's Call Report plate shows

State Bank of Schaller (FDIC Cert #13931) carries a PlainBankData health grade of A at 83/100, 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 #1,717 of 4,307. Tier 1 capital prints at 13.55%, clearing the 10% well-capitalized line. The Texas Ratio is 13.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $40M, 4,188th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CNB Bank (PA), 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 State Bank of Schaller

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

State Bank of Schaller'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; State Bank of Schaller 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 State Bank of Schaller's 83/100 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 avg77/10083/100
State Bank of Schaller's composite health score
Tier 1 Capital Ratio (13.55%) 35/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (13.02%) 16/20
Efficiency Ratio (58.72%) 12/15

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

Balance sheet at a glance

Total Assets

$40M

Total balance-sheet footings

Total Deposits

$34M

Customer-funded liabilities

Net Loans

$10M

Outstanding loan book

Net Income

$480K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.15% 13.55% 14.95%
Basel III capital ratios - State Bank of Schaller

Where State Bank of Schaller ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Schaller's score of 83/100 falls in the highlighted band.

State Bank of Schaller: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 40% higher than 60% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. State Bank of Schaller 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

State Bank of Schaller'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). State Bank of Schaller's $40M falls in the highlighted band.

Safety ratios for State Bank of Schaller

Tier 1 capital ratio
Well-capitalized 10%

13.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.55%
Texas Ratio
13.02%
Equity Capital
$5M

What these ratios mean →

Earnings posture at State Bank of Schaller

Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
9.17%
Efficiency Ratio
58.72%

What these mean →

Income & expense at State Bank of Schaller

$2M
Interest Income
$265K
Non-Interest Income
$788K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Schaller reports a Texas Ratio of 13.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View State Bank of Schaller 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 ($40M here), outside Iowa so the neighborhood is not state containment.

First State Bank of Fountain $40M · MN Bank Of Jackson Hole Trust $39M · WY Home Federal Savings and Loan Associa… $40M · SC First Federal Savings and Loan Associ… $40M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Schaller (FDIC Cert #13931) - 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.

State Bank of Schaller 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%