Pocahontas State Bank

Pocahontas State Bank is headquartered in Pocahontas and is the 214^st largest bank in the state of Iowa. It is also the 5,236^th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 9 employees at 3 locations. Pocahontas State Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Pocahontas State Bank Routing Number: 073920683

Pocahontas State Bank Checking Account Rates

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Data for Q1 2012

Institution Statistics Pocahontas State Bank FDIC Certificate # 234 BankRate Report View Year Established 1926 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $89.21 million Loans $31.86 million Deposits $72.17 million Equity Capital $16.24 million Loan Loss Allowance $211,000 Historic Data - March 2011 Assets $81.16 million Equity Capital $12.84 million Loan Loss Allowance $211,000 Unbacked Noncurrent Loans $211,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 2.67% Return on Equity 14.79% Interest Income $912,000

Institution Health Overall Score: 5 out of 5 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 March 31, 2012 Pocahontas State Bank had $0 in non-current loans and owned real-estate with $16.45 million in equity and loan loss allowances on hand to cover it. This gives Pocahontas State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Pocahontas State Bank has increased its total deposits by $5.28 million, resulting in 7.89% 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 Pocahontas State Bank has shown is excellent. Capitalization 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. Pocahontas State Bank has $89.21 million in assets with $16.45 million in equity, resulting in a capitalization level of 18.44%, which is excellent.

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