IAB Financial Bank


118 East Ludwig Road
Fort Wayne, IN 46825
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

IAB Financial Bank is an FDIC insured institution located in Fort Wayne, IN. It was founded in 1946 and has approximately $1.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16400
Date Established 1946
Assets $ 1,080.05 million
Loans $ 743.58 million
Deposits $ 865.57 million
Capital $ 132.95 million

For a more detailed analysis of IAB Financial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111


Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for IAB Financial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.826% 2.750%
1.00 points
$2,478 fees
$1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Note to IAB Financial Bank
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IAB Financial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

IAB Financial Bank Locations

Financial Details

IAB Financial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of IAB Financial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
IAB Financial Bank U.S. Bank Average
3.35% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, IAB Financial Bank had $4,807,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $132,954,000 in equity and $10,647,000 in loans loss reserves. That gives it a Texas Ratio of 3.35%.

Return on Equity
IAB Financial Bank U.S. Bank Average
7.33% 11.43%

IAB Financial Bank has a Return on Equity of 7.33% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

IAB Financial Bank U.S. Bank Average
12.31% 11.51%

IAB Financial Bank has a Capitalization of 12.31% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

IAB Financial Bank Balance Sheet Analysis

As of June 30, 2017, IAB Financial Bank had assets of $1,086,554,000, loans of $743,582,000, and deposits of $865,568,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 743.58 million
Loan loss allowance $ 10.65 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 865.57 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 1,080.05 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in IAB Financial Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Indiana, IAB Financial Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.05
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 11.56
Construction and Development Loans 5.74
Commercial Real Estate 32.99
Commercial and Industrial Loans 15.47
Farm Loans 5.53

Frequently Asked Questions About Iab Financial Bank

Branches and Savings

Is Iab Financial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16400.

Why does Iab Financial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Iab Financial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Iab Financial Bank a commercial bank?


Where are Iab Financial Bank locations?

See branch locations nearby.

Is Iab Financial Bank open on Saturdays?

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Does Iab Financial Bank offer mortgages?

Compare mortgage rates here.

Does Iab Financial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Iab Financial Bank offer personal loans?

Compare personal loan rates here.

Does Iab Financial Bank offer student loans?

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Background on The Bank

Who owns Iab Financial Bank?

How long has Iab Financial Bank been around?

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