Iowa State Bank


17 West Second Street
Remsen, IA 51050
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
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

Iowa State Bank is an FDIC insured institution located in Remsen, IA. It was founded in 1913 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9297
Date Established 1913
Assets $ 117.63 million
Loans $ 84.29 million
Deposits $ 94.83 million
Capital $ 19.82 million

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

Deposit Rates - September 18, 2021

Your Current Location: California, CA 92111


Loan Rates - September 18, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Iowa State 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
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
CashCall Mortgage
NMLS ID: 128231
2.789% 2.750%
0.50 points
$1,250 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
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Iowa State Bank
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Iowa State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Iowa State Bank Locations

Financial Details

Iowa State Bank Ratio Analysis

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

Texas Ratio
Iowa State Bank U.S. Bank Average
0.11% 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, Iowa State Bank had $24,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,822,000 in equity and $1,131,000 in loans loss reserves. That gives it a Texas Ratio of 0.11%.

Return on Equity
Iowa State Bank U.S. Bank Average
9.07% 11.43%

Iowa State Bank has a Return on Equity of 9.07% 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.

Iowa State Bank U.S. Bank Average
16.85% 11.51%

Iowa State Bank has a Capitalization of 16.85% 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.

Iowa State Bank Balance Sheet Analysis

As of December 31, 2013, Iowa State Bank had assets of $117,632,000, loans of $84,290,000, and deposits of $94,834,000. 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 $ 84.29 million
Loan loss allowance $ 1.13 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 $ 94.83 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 $ 117.63 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 Iowa State Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Iowa State Bank’s loan portfolio does not show any specific loan specialty.

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 3.48
Credit Card Loans 0.00
Consumer Auto Loans 0.38
Small Business Loans 2.98
Construction and Development Loans 0.00
Commercial Real Estate 7.35
Commercial and Industrial Loans 4.71
Farm Loans 17.32

Frequently Asked Questions About Iowa State Bank

Branches and Savings

Is Iowa State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9297.

Why does Iowa State Bank pay such low interest on savings accounts?

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

Why are Iowa State Bank CD rates not competitive?

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

Is Iowa State Bank a commercial bank?


Where are Iowa State Bank locations?

See branch locations nearby.

Is Iowa State Bank open on Saturdays?

Is Iowa State Bank open on Sundays?

What time does Iowa State Bank open?

What time does Iowa State Bank close?

Are Iowa State Bank ATMs Open 24/7?

Do Iowa State Bank ATMs accept cash deposits?

Can Iowa State Bank customers use other ATMs?

Do Iowa State Bank branches have notaries?

Will Iowa State Bank notarize my document?

What address for Iowa State Bank should I put for incoming ACH transfers?

Will the Iowa State Bank branch print checks?

Do Iowa State Bank checks expire?

Does Iowa State Bank require US citizenship to open account?

Can Iowa State Bank close my account?

Does Iowa State Bank Report to credit bureaus?

Does Iowa State Bank Use Equifax?

What is Iowa State Bank's ACH Routing Number?

What is Iowa State Bank's SWIFT code?


Does Iowa State Bank offer mortgages?

Compare mortgage rates here.

Does Iowa State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Iowa State Bank offer personal loans?

Compare personal loan rates here.

Does Iowa State Bank offer student loans?

Will Iowa State Bank cash a check?

Will Iowa State Bank redeem a savings bond?

Does Iowa State Bank cash savings bonds?

Will Iowa State Bank cash money orders?

Can Iowa State Bank issue a money order?

Does Iowa State Bank do currency exchange?

Background on The Bank

Who owns Iowa State Bank?

How long has Iowa State Bank been around?

Can Iowa State Bank transfer to other banks?

Does Iowa State Bank have quick pay?

Does Iowa State Bank accept rolled coins?

Will Iowa State Bank accept loose change?

Where is Iowa State Bank headquarters?

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