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Page County State Bank

Based on 1 review
Page County State Bank
Overview / Commentary
120 East Washington
Clarinda, IA 51632

Page County State Bank is headquartered in Clarinda and is the 97th largest bank in the state of Iowa. It is also the 3,168th largest bank in the nation. It was established in 1866 and as of December of 2013, it had grown to 44 employees at 5 locations. Page County State Bank has a A+ health rating.

Reviews (1)

Best Bank In Southwest Iowa

This is the best bank in Southwest Iowa, strong customer service, personal attention, and reward checking!


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Page County State Bank had $576,000 in non-current loans and owned real-estate with $21.67 million in equity and loan loss allowances on hand to cover it. This gives Page County State Bank a Texas Ratio of 2.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Page County State Bank decreased dramatically from 4.79% as of December 31, 2012 to 2.66% as of December 31, 2013, resulting in a positive change of 44.53%.This indicates that the balance sheet and financial strength for Page County State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Page County State Bank has increased its total deposits by $72.69 million, resulting in 81.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Page County State Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Page County State Bank has $189.9 million in assets with $21.67 million in equity, resulting in a capitalization level of 11.41%, which is excellent.

Institution Statistics

FDIC Certificate #14522
Year Established1866
Primary RegulatorFDIC
Assets and Liabilities
Assets$189.91 million
Loans$105.15 million
Deposits$161.49 million
Equity Capital$21.10 million
Loan Loss Allowance$572,000
Unbacked Noncurrent Loans$423,000
Real Estate Owned$153,000
Historic Data - December 2012
Assets$104.21 million
Equity Capital$11.68 million
Loan Loss Allowance$315,000
Unbacked Noncurrent Loans$423,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.58%
Return on Assets1.19%
Return on Equity11.1%
Interest Income$7.37 million

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Page County State Bank Locations
Page County State Bank120 East Washington StClarinda, IA 51632
Consumer Branch1201 South 16th StClarinda, IA 51632