State directory · IA

Iowa Banks

Every FDIC-insured bank headquartered in Iowa, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
230
FDIC banks
79/100
Avg health score
$132.5B
Total assets
4
Failures since 2000

Data updated July 2026

The state picture

Iowa's 230 FDIC banks hold $132.5B in assets and average 79/100 on health - 90% earn an A or B grade.

230
FDIC-insured banks
90%
grade A or B (208 banks)
$9.3B
largest - Principal Bank
4
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Iowa's average health score of 79/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
123
53% of banks
B
85
37% of banks
C
18
8% of banks
D
2
1% of banks
F
2
1% of banks

Largest banks in Iowa

Top 10 Iowa banks by total assets
  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

  6. 6
    Northwest Bank $3.0B

    Spencer, IA · Grade B

  7. 7
    Cedar Rapids Bank and Trust Company $2.9B

    Cedar Rapids, IA · Grade A

  8. 8
    Quad City Bank and Trust Company $2.7B

    Bettendorf, IA · Grade A

  9. 9
    Fidelity Bank & Trust $2.5B

    Dubuque, IA · Grade A

  10. 10
    United Bank of Iowa $2.5B

    Ida Grove, IA · Grade A

Top 10 of 230 Iowa banks · FDIC Call Report Q4 2025.

Iowa banks by health grade

0 20 40 60 80 100 120 140 A B C D F 123 85 18 2 2

How Iowa compares nationally

Iowa ranks #13 of 55 states and territories by average bank health score - better than 78% of them.

States grouped by average health score

All 230 Iowa banks · Page 2 of 3

Bank Assets Grade
First Trust and Savings Bank $300M B
Farmers Savings Bank $296M C
Savings Bank $293M A
Leighton State Bank $291M B
The Home Trust & Savings Bank $291M A
Iowa Savings Bank $290M B
United Community Bank $289M B
Crawford County Trust and Savings Bank $287M A
Pioneer Bank $286M B
Reliance State Bank $285M B
Iowa State Savings Bank $283M A
Guthrie County State Bank $279M A
Fairfax State Savings Bank $277M C
Security Trust & Savings Bank $275M A
State Savings Bank $274M B
Freedom Financial Bank $274M B
FNB Bank $274M A
Cherokee State Bank $271M B
Success Bank $270M A
Farmers and Merchants State Bank $268M A
Heartland Bank $267M A
The Citizens First National Bank of Storm Lake $260M A
Mediapolis Savings Bank $258M B
DeWitt Bank & Trust Co. $257M B
Denver Savings Bank $256M C
Westside State Bank $255M A
First Bank Hampton $244M B
Malvern Bank $242M B
WCF Financial Bank $227M F
United Bank and Trust Company $227M A
Charter Bank $223M A
Farmers State Bank $221M B
Blue Grass Savings Bank $221M A
Farmers Savings Bank $213M B
Farmers & Merchants Bank & Trust $213M B
Farmers Savings Bank & Trust $213M A
Houghton State Bank $210M A
BANK $209M C
NorthStar Bank $205M A
Iowa State Bank $205M A
Iowa Falls State Bank $202M A
Iowa Trust and Savings Bank $200M A
Chelsea Savings Bank $200M A
Farmers Trust & Savings Bank $200M A
Citizens State Bank $199M A
State Bank & Trust Co. $196M A
State Savings Bank $196M A
Keystone Savings Bank $195M B
Security Savings Bank $194M A
Peoples Savings Bank $190M C
St. Ansgar State Bank $189M C
Bellevue State Bank $188M A
Mount Vernon Bank and Trust Company $186M A
Liberty Trust & Savings Bank $181M A
Danville State Savings Bank $178M B
Atkins Savings Bank & Trust $172M B
West Iowa Bank $170M A
Union State Bank $165M B
Bank 1st $164M A
Audubon State Bank $163M A
Boone Bank & Trust Co. $160M B
Templeton Savings Bank $160M A
Citizens Savings Bank $160M A
Bank Plus $157M B
Federation Bank $154M B
Farmers State Bank $151M A
First State Bank $149M B
Hiawatha Bank and Trust Company $148M B
Bridge Community Bank $148M B
Readlyn Savings Bank $148M A
Exchange State Bank $146M A
Citizens Savings Bank $145M B
Farmers Trust & Savings Bank $144M A
Farmers Savings Bank $139M B
The State Bank of Toledo $139M C
Community Bank $137M A
Union State Bank $136M B
Farmers Savings Bank $136M C
Corydon State Bank $134M A
First State Bank $131M A
First State Bank $129M A
Solon State Bank $126M A
Citizens State Bank $125M A
Farmers and Merchants Savings Bank $123M B
United Bank & Trust Co. $123M A
Pocahontas State Bank $123M A
Twin Cedars Bank $122M B
Cedar Valley Bank & Trust $121M B
First Community Bank $117M B
Security State Bank $114M B
Security State Bank $113M A
Maynard Savings Bank $111M B
White State Bank $105M A
Sibley State Bank $104M A
Community Bank of Oelwein $103M B
FNNB Bank $102M B
Breda Savings Bank $100M A
Sanborn Savings Bank $90M B
The State Bank $89M B
First Security State Bank $88M B

How to read the Iowa bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Iowa. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 230 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Iowa, 208 institutions (90%) sit in the A or B band, while 4 (2%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 4 banks headquartered in Iowa have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Iowa directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

← All US states

Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.