West Iowa Bank (FDIC #9105): Bank Stress & Real-Estate Credit Exposure

West Iowa Bank (FDIC Cert #9105): bank stress 56/100, moderate, STABLE over 7 days; parent WEST BEND BCORP.

West Iowa Bank (#9105) lends in 4 counties across 1 state; West Iowa Bank (#9105) reaches 62 ZIP codes: Iowa 4 counties, 62 ZIPs.

West Iowa Bank (#9105) largest markets: Kossuth County, IA (63 branches, 21 ZIPs) (#9105), Clay County, IA (17 branches, 17 ZIPs) (#9105), Humboldt County, IA (17 branches, 17 ZIPs) (#9105), Pocahontas County, IA (16 branches, 16 ZIPs) (#9105).

West Iowa Bank (#9105) reports $222.1 million in total assets; West Iowa Bank (#9105) equity $28.5 million (12.8% of West Iowa Bank (#9105) assets); West Iowa Bank (#9105) domestic deposits $183.0 million; West Iowa Bank (#9105) net income $1.2 million; West Iowa Bank (#9105) return on assets 1.25%; West Iowa Bank (#9105) return on equity 8.34%; West Iowa Bank (#9105) net interest income $3.1 million; West Iowa Bank (#9105) call report June 30, 2026.

West Iowa Bank (#9105) noncurrent real-estate loans: none reported; West Iowa Bank (#9105) residential -0.05%; West Iowa Bank (#9105) net charge-offs on real estate 0.02%.

West Iowa Bank (#9105) net interest margin 3.48% against an eight-quarter West Iowa Bank (#9105) average of 3.37% (West Iowa Bank (#9105) compression -0.11 points); West Iowa Bank (#9105) rate-exposure score 40/100, West Iowa Bank (#9105) fixed-rate trap 40/100; West Iowa Bank (#9105) risk type credit driven; West Iowa Bank (#9105) rate regime rates elevated, West Iowa Bank (#9105) snapshot October 19, 2026.

West Iowa Bank (#9105) stress score moved from 40.8 on June 22, 2026 to 55.6 on October 20, 2026; West Iowa Bank (#9105) ranged 40.8 to 55.6 over 117 snapshots.

West Iowa Bank (#9105) alerts: 4 counties; top West Iowa Bank (#9105) alert scores: Bode County, IA 20 (low); Laurens County, IA 20 (low); Royal County, IA 20 (low); West Bend County, IA 20 (low).