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Overview / Commentary
120 East Washington
Clarinda, IA 51632

Page County State Bank is headquartered in Clarinda and is the 92nd largest bank in the state of Iowa. It is also the 2,991st largest bank in the nation. It was established in 1866 and as of March of 2014, it had grown to 45 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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Page County State Bank had $1.67 million in non-current loans and owned real-estate with $22.07 million in equity and loan loss allowances on hand to cover it. This gives Page County State Bank a Texas Ratio of 7.59% 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 increased slightly from 2.33% as of March 31, 2013 to 7.59% as of March 31, 2014, resulting in a negative change of 225.80%. This indicates that the balance sheet and financial strength for Page County State Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Page County State Bank has increased its total deposits by $80.55 million, resulting in 83.15% 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 $206.31 million in assets with $22.07 million in equity, resulting in a capitalization level of 10.70%, which is above average.

Institution Statistics

FDIC Certificate #14522
Year Established1866
Primary RegulatorFDIC
Assets and Liabilities
Assets$206.31 million
Loans$106.65 million
Deposits$177.43 million
Equity Capital$21.51 million
Loan Loss Allowance$557,000
Unbacked Noncurrent Loans$1.52 million
Real Estate Owned$153,000
Historic Data - March 2013
Assets$109.01 million
Equity Capital$11.89 million
Loan Loss Allowance$266,000
Unbacked Noncurrent Loans$1.52 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.22%
Return on Assets0.83%
Return on Equity7.75%
Interest Income$1.76 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