Total Assets
$170M
Total balance-sheet footings
FDIC Cert #9105 · West Bend, Iowa · Est. 1926
West Iowa Bank - FDIC Bank Health Profile
A community-scale look at West Iowa Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $170M
- Total assets
- A
- Health grade · Excellent
- 1.46%
- Return on assets
- 17.0%
- Tier 1 capital
Data updated July 2026
The verdict
West Iowa Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 17.04% Tier 1, profitable at 1.46% ROA, efficient (52% cost ratio).
- #3,218
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 17.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- 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.
How West Iowa Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Iowa Bank's composite health score
Tier 1 Capital Ratio (17.04%) 40/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (52.09%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$132M
Customer-funded liabilities
Net Loans
$94M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Iowa Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Iowa Bank's score of 92/100 falls in the highlighted band.
West Iowa 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). West Iowa Bank's $170M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.04%
Texas Ratio
0.00%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
9.69%
Efficiency Ratio
52.09%
What the numbers say about West Iowa Bank
West Iowa Bank is an FDIC-insured institution (Certificate #9105) headquartered in West Bend, Iowa, established in 1926. It holds $170M in total assets - 3,218th of 4,313 FDIC-insured banks, $132M in customer deposits, and $94M in net loans. Looking at capital strength, Tier 1 stands at 17.04%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), 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.
Within Iowa, West Iowa Bank ranks 157th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$8M
Interest Income
$699K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Iowa Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) West Iowa Bank (FDIC Cert #9105) - 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 West Iowa Bank's health grade?▼
West Iowa Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is West Iowa Bank?▼
West Iowa Bank holds $170M in total assets and $132M in deposits, ranking 3,218th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Bend, Iowa.
Is my money safe at West Iowa Bank?▼
Yes, deposits at West Iowa Bank (Certificate #9105) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Iowa Bank's Tier 1 Capital Ratio?▼
West Iowa Bank has a Tier 1 Capital Ratio of 17.04%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for West Iowa Bank?▼
West Iowa Bank has a Texas Ratio of 0.00%. 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 West Iowa Bank?▼
West Iowa Bank has an Efficiency Ratio of 52.09%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Iowa Bank's profile as a depositor or analyst.
- West Iowa Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Iowa Bank 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.