Total Assets
$139M
Total balance-sheet footings
FDIC Cert #4514 · Toledo, Iowa · Est. 1927
The State Bank of Toledo - FDIC Bank Health Profile
A community-scale look at The State Bank of Toledo's own numbers, pulled straight from its quarterly FDIC Call Report.
- $139M
- Total assets
- C
- Health grade · Fair
- 0.88%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
The State Bank of Toledo earns a PlainBankData health grade of C (52/100), with 9.56% Tier 1 capital, 0.88% ROA, 75% efficiency ratio.
- #3,442
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 9.56%
- Tier 1 ratio - below the 10% well-capitalized line
- 34th
- 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 The State Bank of Toledo's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The State Bank of Toledo's composite health score
Tier 1 Capital Ratio (9.56%) 18/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (8.16%) 16/20
Efficiency Ratio (75.13%) 4/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$124M
Customer-funded liabilities
Net Loans
$110M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The State Bank of Toledo ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The State Bank of Toledo's score of 52/100 falls in the highlighted band.
The State Bank of Toledo'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). The State Bank of Toledo's $139M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.56% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.56%
Texas Ratio
8.16%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
8.71%
Efficiency Ratio
75.13%
What the numbers say about The State Bank of Toledo
The State Bank of Toledo is an FDIC-insured institution (Certificate #4514) headquartered in Toledo, Iowa, established in 1927. It holds $139M in total assets - 3,442nd of 4,313 FDIC-insured banks, $124M in customer deposits, and $110M in net loans. Capital-wise, the Tier 1 ratio sits at 9.56%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 8.16%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (52 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The State Bank of Toledo is a community-scale institution -- 175th of 230 FDIC-insured banks headquartered in Iowa by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$8M
Interest Income
$1M
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. The State Bank of Toledo reports a Texas Ratio of 8.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.16% - 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) The State Bank of Toledo (FDIC Cert #4514) - 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 The State Bank of Toledo's health grade?▼
The State Bank of Toledo receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The State Bank of Toledo?▼
The State Bank of Toledo holds $139M in total assets and $124M in deposits, ranking 3,442nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Toledo, Iowa.
Is my money safe at The State Bank of Toledo?▼
Yes, deposits at The State Bank of Toledo (Certificate #4514) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The State Bank of Toledo's Tier 1 Capital Ratio?▼
The State Bank of Toledo has a Tier 1 Capital Ratio of 9.56%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The State Bank of Toledo?▼
The State Bank of Toledo has a Texas Ratio of 8.16%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The State Bank of Toledo?▼
The State Bank of Toledo has an Efficiency Ratio of 75.13%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The State Bank of Toledo's profile as a depositor or analyst.
- The State Bank of Toledo's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The State Bank of Toledo 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.