South Ottumwa Savings Bank (FDIC #9099): Bank Stress & Real-Estate Credit Exposure

South Ottumwa Savings Bank (FDIC Cert #9099): bank stress 50/100, moderate, STABLE over 7 days; parent CORNERSTONE FINL SERVICES GROUP.

South Ottumwa Savings Bank (#9099) lends in 4 counties across 1 state; South Ottumwa Savings Bank (#9099) reaches 49 ZIP codes: Iowa 4 counties, 49 ZIPs.

South Ottumwa Savings Bank (#9099) largest markets: Keokuk County, IA (21 branches, 21 ZIPs) (#9099), Muscatine County, IA (14 branches, 14 ZIPs) (#9099), Wapello County, IA (24 branches, 12 ZIPs) (#9099), Monroe County, IA (14 branches, 7 ZIPs) (#9099).

South Ottumwa Savings Bank (#9099) reports $565.4 million in total assets; South Ottumwa Savings Bank (#9099) equity $76.5 million (13.5% of South Ottumwa Savings Bank (#9099) assets); South Ottumwa Savings Bank (#9099) domestic deposits $473.9 million; South Ottumwa Savings Bank (#9099) net income $3.8 million; South Ottumwa Savings Bank (#9099) return on assets 1.40%; South Ottumwa Savings Bank (#9099) return on equity 10.02%; South Ottumwa Savings Bank (#9099) net interest income $8.3 million; South Ottumwa Savings Bank (#9099) call report June 30, 2026.

South Ottumwa Savings Bank (#9099) noncurrent real-estate loans: none reported; South Ottumwa Savings Bank (#9099) residential 0.01%; South Ottumwa Savings Bank (#9099) net charge-offs on real estate 0.42%; South Ottumwa Savings Bank (#9099) residential charge-offs 0.26%.

South Ottumwa Savings Bank (#9099) net interest margin 3.36% against an eight-quarter South Ottumwa Savings Bank (#9099) average of 3.10% (South Ottumwa Savings Bank (#9099) compression -0.27 points); South Ottumwa Savings Bank (#9099) non-residential real estate 25.6% of equity; South Ottumwa Savings Bank (#9099) rate-exposure score 40/100, South Ottumwa Savings Bank (#9099) fixed-rate trap 40/100; South Ottumwa Savings Bank (#9099) risk type credit driven; South Ottumwa Savings Bank (#9099) rate regime rates elevated, South Ottumwa Savings Bank (#9099) snapshot October 20, 2026.

South Ottumwa Savings Bank (#9099) stress score moved from 47.3 on June 22, 2026 to 50.1 on October 20, 2026; South Ottumwa Savings Bank (#9099) ranged 47.3 to 50.1 over 117 snapshots.

South Ottumwa Savings Bank (#9099) alerts: 4 counties; top South Ottumwa Savings Bank (#9099) alert scores: Albia County, IA 19 (low); Hedrick County, IA 19 (low); Ottumwa County, IA 19 (low); West Liberty County, IA 19 (low).