Defiance State Bank is a bank based in Defiance, Iowa, established in 1951, with $42 million in total assets across 2 branches. By Trust Grade it ranks 161st of 226 banks we track in Iowa. Its capital ratio of 9.7% trails most similarly sized banks (28th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 0.69% return on assets. No consumer complaints against Defiance State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Defiance State Bank compares to Iowa peers
How we graded Defiance State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.7% capital ratio)
- Profitable (ROA 0.69%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Defiance State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 201 Main Ave, Defiance, IA 51527
- 254 Franklin Street, Dow City, IA 51528
Are deposits at Defiance State Bank insured?
Yes. Defiance State Bank is an FDIC-insured bank (FDIC certificate #17450). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Defiance State Bank: frequently asked questions
Is Defiance State Bank a good bank?
Defiance State Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.7% capital ratio); Profitable (ROA 0.69%).
Is Defiance State Bank FDIC-insured?
Yes. Defiance State Bank is a FDIC-insured bank (FDIC certificate #17450). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Defiance State Bank?
Defiance State Bank holds $42 million in total assets, ranking 161st of 226 banks we track in Iowa. It operates 2 branches.
Does Defiance State Bank have CFPB complaints?
No CFPB complaints against Defiance State Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
