Iowa Code

Iowa Code § 524.910 (2026)

Property acquired to satisfy debts previously contracted

✓ current as of July 2026
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A state bank may acquire property of any kind to secure, protect, or satisfy a loan or investment previously made in good faith. Property acquired pursuant to this section shall be held and disposed of subject to the following conditions and limitations:

1. Shares in a corporation and other personal property, the acquisition of which is not otherwise authorized by this chapter, shall be sold or otherwise disposed of within six months unless the time is extended by the superintendent.

2. Real property purchased by a state bank at sales upon foreclosure of mortgages or deeds of trust owned by it, or acquired upon judgments or decrees obtained or rendered for debts due it, or real property conveyed to it in satisfaction of debts previously contracted in the course of its business, or real property obtained by it through redemption as a junior mortgagee or judgment creditor, shall be sold or otherwise disposed of by the state bank within five years after title is vested in the state bank, unless the time is extended by the superintendent. This deadline may be extended up to an additional five years with prior approval of the superintendent, but in no event shall a state bank hold such property for more than ten years. [C97, §1851; C24, 27, 31, 35, 39, §9190; C46, 50, 54, 58, 62, 66, §526.34; C71, 73, 75, 77, 79, 81, §524.910] 85 Acts, ch 252, §34; 90 Acts, ch 1245, §1; 92 Acts, ch 1161, §4; 2022 Acts, ch 1062, §90 \n

Notes of Decisions
Cited in 13 cases (1 in the last 5 years), 1988–2023 · leading case: Hunter v. Union State Bank, 505 N.W.2d 172 (Iowa 1993).
Hunter v. Union State Bank, 505 N.W.2d 172 (Iowa 1993). · cites it 44× “And each informed the Hunters that if they chose not to exercise their rights to repurchase, the land would be “sold to a third party upon these same terms and conditions.”
Knepper v. Monticello State Bank, 450 N.W.2d 833 (Iowa 1990). · cites it 24× “The relevant language of Iowa Code section 524.910 provides: A state bank may acquire property of any kind to secure, protect or satisfy a loan or investment previously made in good faith.”
Emmet Cnty. State Bank v. Reutter, 439 N.W.2d 651 (Iowa 1989). · cites it 20× “In 1985 the Iowa legislature amended Iowa Code section 524.910, which pertains to agricultural land acquired by a state bank in satisfaction of a debt previously contracted.”
Black v. First Interstate Bank of Fort Dodge, 439 N.W.2d 647 (Iowa 1989). · cites it 32× “Iowa Code § 524.910 (1987) (emphasis added).”
Citizens State Bank of Des Moines v. Hansen, 449 N.W.2d 388 (Iowa 1989). · cites it 17× “” See Iowa Code § 524.910 (2). We shall call this action for specific performance “suit II.”
Decorah State Bank v. Wangsness, 452 N.W.2d 438 (Iowa 1990). · cites it 14× “…to repurchase the agricultural land on the terms the state bank proposes to sell or dispose of the agricultural land. Iowa Code § 524.910 (2).”
Fed. Land Bank of Omaha v. Arnold, 426 N.W.2d 153 (Iowa 1988). · cites it 2× “See Iowa Code § 524.910 (2); 12 U.S.C. § 29 (1982).”
Cole v. First State Bank of Greene, 463 N.W.2d 59 (Iowa 1990). · cites it 22× “See Iowa Code § 524.910 (2) (1987). In this case the bank, following a foreclosure sale, immediately assigned the sheriffs certificate of sale to a third party.”
Hunter v. Union State Bank, 468 N.W.2d 456 (Iowa 1991). · cites it 6× “Their claims are that (1) the notices sent by the bank were inadequate and failed to comply with section 524.910; (2) *457 section 524.910 created implied contract or quasi-contract rights in the Hunters against the bank; and (3) the Hunters’ civil rights were violated which…”
First Iowa State Bank v. Iowa Dep't of Nat. Resources, 502 N.W.2d 164 (Iowa 1993). · cites it 2× “See Iowa Code § 524.910 (2) (1987). In December 1987, the DNR issued an administrative order to both Davis and the bank.”
Hansen-Friedrichsen, Inc. v. Citizens State Bank of Donnellson, 490 N.W.2d 63 (Iowa Ct. App. 1992). · cites it 20× “The bank then served a letter dated March 31, 1988, on Hansen and his wife notifying them of their right of first refusal under Iowa Code section 524.910. The letter offered Hansen the right to repurchase the farm within ten days.”
LS Power Midcontinent, LLC v. State (Iowa 2023). · cites it 2× “(“The right granted to the prior owner of agricultural land by section 524.910(2) is sometimes called a right of ‘preemption’ or of ‘first refusal.”
— Iowa Code § 524.910(2) — 9 cases
Hunter v. Union State Bank, 505 N.W.2d 172 (Iowa 1993). “And each informed the Hunters that if they chose not to exercise their rights to repurchase, the land would be “sold to a third party upon these same terms and conditions.”
Knepper v. Monticello State Bank, 450 N.W.2d 833 (Iowa 1990). “The relevant language of Iowa Code section 524.910 provides: A state bank may acquire property of any kind to secure, protect or satisfy a loan or investment previously made in good faith.”
Black v. First Interstate Bank of Fort Dodge, 439 N.W.2d 647 (Iowa 1989). “Iowa Code § 524.910 (1987) (emphasis added).”
Citizens State Bank of Des Moines v. Hansen, 449 N.W.2d 388 (Iowa 1989). “” See Iowa Code § 524.910 (2). We shall call this action for specific performance “suit II.”
Decorah State Bank v. Wangsness, 452 N.W.2d 438 (Iowa 1990). “…to repurchase the agricultural land on the terms the state bank proposes to sell or dispose of the agricultural land. Iowa Code § 524.910 (2).”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.