FDIC Cert #1556 · Bussey, Iowa · Est. 1931

Twin Cedars Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$122M
Total assets
B
Health grade · Good
0.31%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

Twin Cedars Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 13.24% Tier 1, 0.31% ROA, 69% efficiency ratio.

#3,566
largest of 4,313 FDIC banks by assets
17th
percentile by asset size, nationally
13.24%
Tier 1 ratio - above the 10% well-capitalized line
10th
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 1556 · IA B · 66/100

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

  • GRADE-B B (66/100)
  • LOWER-Q #3499/4307
  • PHOTO-FINISH First Farmers & Merc… · MN
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 12.6% Texas
  • ROA-THIN 0.31% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: First Farmers & Merchants State Bank, MN (±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 Twin Cedars Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Farmers & Merc… · MN ·…66/100Northwoods Bank of M… · MN ·…66/100The Bank of Commerce · LA · …66/100Twin Cedars Bank · IA · this…66/100Washington Trust Bank · WA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Twin Cedars Bank · July 2026

What Twin Cedars Bank's Call Report plate shows

Twin Cedars Bank (FDIC Cert #1556) 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 #3,499 of 4,307. Tier 1 capital prints at 13.24%, clearing the 10% well-capitalized line. The Texas Ratio is 12.60%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.31%. Balance-sheet scale is $122M, 3,566th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Farmers & Merchants State Bank (MN), 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 Twin Cedars Bank

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

Twin Cedars Bank'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; Twin Cedars Bank 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 Twin Cedars Bank'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
Twin Cedars Bank's composite health score
Tier 1 Capital Ratio (13.24%) 35/40
Return on Assets (ROA) (0.31%) 7/25
Texas Ratio (12.60%) 16/20
Efficiency Ratio (69.46%) 8/15

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

Balance sheet at a glance

Total Assets

$122M

Total balance-sheet footings

Total Deposits

$105M

Customer-funded liabilities

Net Loans

$97M

Outstanding loan book

Net Income

$359K

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.) 11.84% 13.24% 14.64%
Basel III capital ratios - Twin Cedars Bank

Where Twin Cedars Bank ranks

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

Twin Cedars Bank: 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. Twin Cedars Bank 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

Twin Cedars Bank'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). Twin Cedars Bank's $122M falls in the highlighted band.

Safety ratios for Twin Cedars Bank

Tier 1 capital ratio
Well-capitalized 10%

13.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.24%
Texas Ratio
12.60%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: Twin Cedars Bank

Return on Assets (ROA)
10th percentile nationally
0.31%
Return on Equity (ROE)
2.65%
Efficiency Ratio
69.46%

What these mean →

Income & expense at Twin Cedars Bank

$8M
Interest Income
$202K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Twin Cedars Bank reports a Texas Ratio of 12.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Twin Cedars Bank 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 ($122M here), outside Iowa so the neighborhood is not state containment.

The Baltic State Bank $122M · OH California Business Bank $122M · CA The State Bank of Geneva $122M · IL Maple City Savings Bank, FSB $122M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Twin Cedars Bank (FDIC Cert #1556) - 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.

Twin Cedars Bank 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%