Ohnward Bank&Trust (FDIC #10111): Bank Stress & Real-Estate Credit Exposure
Ohnward Bank&Trust (FDIC Cert #10111): bank stress 55/100, moderate, STABLE over 7 days; parent OHNWARD BANCSHARES INC.
Ohnward Bank&Trust (#10111) lends in 4 counties across 1 state; Ohnward Bank&Trust (#10111) reaches 71 ZIP codes: Iowa 4 counties, 71 ZIPs.
Ohnward Bank&Trust (#10111) largest markets: Linn County, IA (90 branches, 30 ZIPs) (#10111), Dubuque County, IA (20 branches, 20 ZIPs) (#10111), Jones County, IA (17 branches, 17 ZIPs) (#10111), Jackson County, IA (16 branches, 16 ZIPs) (#10111).
Ohnward Bank&Trust (#10111) reports $499.1 million in total assets; Ohnward Bank&Trust (#10111) equity $60.6 million (12.1% of Ohnward Bank&Trust (#10111) assets); Ohnward Bank&Trust (#10111) domestic deposits $417.6 million; Ohnward Bank&Trust (#10111) net income $3.4 million; Ohnward Bank&Trust (#10111) return on assets 1.39%; Ohnward Bank&Trust (#10111) return on equity 11.47%; Ohnward Bank&Trust (#10111) net interest income $9.3 million; Ohnward Bank&Trust (#10111) call report June 30, 2026.
Ohnward Bank&Trust (#10111) noncurrent real-estate loans: none reported; Ohnward Bank&Trust (#10111) net charge-offs on real estate 0.77%; Ohnward Bank&Trust (#10111) residential charge-offs 1.85%.
Ohnward Bank&Trust (#10111) net interest margin 4.00% against an eight-quarter Ohnward Bank&Trust (#10111) average of 3.68% (Ohnward Bank&Trust (#10111) compression -0.32 points); Ohnward Bank&Trust (#10111) non-residential real estate 185.4% of equity; Ohnward Bank&Trust (#10111) rate-exposure score 40/100, Ohnward Bank&Trust (#10111) fixed-rate trap 40/100; Ohnward Bank&Trust (#10111) risk type credit driven; Ohnward Bank&Trust (#10111) rate regime rates elevated, Ohnward Bank&Trust (#10111) snapshot October 19, 2026.
Ohnward Bank&Trust (#10111) stress score moved from 54.2 on June 22, 2026 to 55.2 on October 20, 2026; Ohnward Bank&Trust (#10111) ranged 54.2 to 55.2 over 117 snapshots.
Ohnward Bank&Trust (#10111) alerts: 4 counties; top Ohnward Bank&Trust (#10111) alert scores: Marion County, IA 42 (moderate); Baldwin County, IA 20 (low); Cascade County, IA 20 (low); Monticello County, IA 20 (low).