Earlham Savings Bank (FDIC #5796): Bank Stress & Real-Estate Credit Exposure
Earlham Savings Bank (FDIC Cert #5796): bank stress 71/100, elevated, STABLE over 7 days.
Earlham Savings Bank (#5796) lends in 3 counties across 1 state; Earlham Savings Bank (#5796) reaches 71 ZIP codes: Iowa 3 counties, 71 ZIPs.
Earlham Savings Bank (#5796) largest markets: Polk County, IA (84 branches, 42 ZIPs) (#5796), Dallas County, IA (125 branches, 25 ZIPs) (#5796), Madison County, IA (30 branches, 15 ZIPs) (#5796).
Earlham Savings Bank (#5796) reports $382.5 million in total assets; Earlham Savings Bank (#5796) equity $36.9 million (9.7% of Earlham Savings Bank (#5796) assets); Earlham Savings Bank (#5796) domestic deposits $343.9 million; Earlham Savings Bank (#5796) net income $2.0 million; Earlham Savings Bank (#5796) return on assets 1.06%; Earlham Savings Bank (#5796) return on equity 11.21%; Earlham Savings Bank (#5796) net interest income $6.9 million; Earlham Savings Bank (#5796) call report June 30, 2026.
Earlham Savings Bank (#5796) noncurrent real-estate loans: none reported; Earlham Savings Bank (#5796) residential -0.15%; Earlham Savings Bank (#5796) net charge-offs on real estate 0.78%; Earlham Savings Bank (#5796) residential charge-offs 0.29%.
Earlham Savings Bank (#5796) net interest margin 3.77% against an eight-quarter Earlham Savings Bank (#5796) average of 3.53% (Earlham Savings Bank (#5796) compression -0.24 points); Earlham Savings Bank (#5796) non-residential real estate 28.7% of equity; Earlham Savings Bank (#5796) rate-exposure score 40/100, Earlham Savings Bank (#5796) fixed-rate trap 40/100; Earlham Savings Bank (#5796) risk type credit driven; Earlham Savings Bank (#5796) rate regime rates elevated, Earlham Savings Bank (#5796) snapshot October 19, 2026.
Earlham Savings Bank (#5796) stress score moved from 71.5 on June 22, 2026 to 70.6 on October 19, 2026; Earlham Savings Bank (#5796) ranged 70.6 to 71.5 over 116 snapshots.
Earlham Savings Bank (#5796) alerts: 3 counties; top Earlham Savings Bank (#5796) alert scores: Des Moines County, IA 47 (moderate); Earlham County, IA 23 (low); Woodward County, IA 23 (low).