| Bank Cert #17450

Defiance State Bank

Iowa JSON

Institution Profile

Address: 201 Main Ave Defiance, IA 51527
Website:

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FDIC Profile:

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Established:

9/1/1951

Branches:

2

Branches by Region
IA 2

Financial Overview

Total Assets
$42.49M
Total Deposits
$33.67M
Total Loans
$32.05M
Equity Capital
$4.13M
Employees
7
Allowance for Loan Losses
$200,000

Performance Ratios

Net Worth Ratio
9.71%
Loan-to-Deposit Ratio
95.17%
Coverage Ratio
0.62% Allowance / Total Loans
Net Income
$73,000
Return on Assets (ROA)
0.69%
Return on Equity (ROE)
7.14%

Assets, Loans & Deposits Over Time

Assets, Loans & Deposits Over Time

Projected Assets

Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters

Projected Assets (12 Quarters)

1Y CAGR Scenario: +2.67% 2Y CAGR Scenario: +0.73% 3Y CAGR Scenario: -1.33%

Employee Growth

Employee Growth

Loan Portfolio Breakdown

Current outstanding balances by loan type

Agricultural
$9.03M 28.2%
Farmland
$7.77M 24.3%
1-4 Family Residential
$7.40M 23.1%
Commercial Real Estate
$3.10M 9.7%
Commercial & Industrial
$1.86M 5.8%
Auto Loans
$1.44M 4.5%
Municipal
$858,000 2.7%
Other Consumer
$536,000 1.7%

Portfolio Distribution

Net Income Trend

Net Income Trend

Historical Data Table

QuarterTotal AssetsTotal DepositsTotal LoansNet IncomeEmployees
2026 Q1 $42.49M $33.67M $32.05M $73,000 7
2025 Q4 $41.78M $31.06M $31.72M $235,000 7
2025 Q3 $38.93M $30.56M $29.28M $288,000 7
2025 Q2 $39.19M $32.29M $29.02M $179,000 7
2025 Q1 $41.39M $33.37M $30.58M $126,000 7
2024 Q4 $41.35M $34.07M $30.89M $214,000 7
2024 Q3 $40.59M $32.38M $29.57M $228,000 7
2024 Q2 $40.41M $33.70M $28.35M $170,000 7
2024 Q1 $41.88M $34.88M $29.78M $105,000 7
2023 Q4 $43.20M $32.43M $30.11M $308,000 7
2023 Q3 $42.13M $31.78M $29.93M $318,000 7
2023 Q2 $43.97M $35.74M $27.48M $225,000 7
2023 Q1 $44.24M $36.58M $27.03M $118,000 7
2022 Q4 $41.38M $31.68M $27.09M $128,000 7
2022 Q3 $41.81M $30.37M $27.18M $96,000 7
2022 Q2 $40.59M $32.24M $25.25M $12,000 8
2022 Q1 $41.13M $33.08M $23.82M $31,000 8
2021 Q4 $39.93M $30.01M $22.63M $177,000 8
2021 Q3 $38.15M $30.67M $20.20M $268,000 8
2021 Q2 $38.72M $31.46M $20.14M $235,000 8
2021 Q1 $38.66M $31.67M $21.25M $166,000 8
2020 Q4 $36.01M $28.83M $21.96M $157,000 8
2020 Q3 $35.41M $28.11M $21.53M $268,000 8
2020 Q2 $37.89M $30.31M $21.97M $174,000 7
2020 Q1 $35.67M $28.23M $22.71M $98,000 8