Green Belt Bank & Trust

616 Washington Avenue
Iowa Falls, IA 50126
(800) 648-2544
www.greenbeltbank.com

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Green Belt Bank & Trust is headquartered in Iowa Falls and is the 44^th largest bank in the state of Iowa. It is also the 1,934^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 60 employees at 6 locations. Green Belt Bank & Trust's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Green Belt Bank & Trust Routing Number: 073922995

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See Rates for: Checking | Savings | Money Market | CD | IRA

Green Belt Bank & Trust Checking Account Rates

Apy	Min	Max	Product
2.53%	-	$25k	VelocitE Rewards Checking
0.25%	$50	-	Advantage Checking

Green Belt Bank & Trust Savings Account Rates

Apy	Min	Max	Product
1.00%	-	-	Christmas Club Account
0.75%	-	-	Pay Yourself First Savings
0.40%	$50	-	Regular Savings Account

Green Belt Bank & Trust Money Market Rates

	Apy	Min	Max	Product
	0.75%	$50k	-	Money Market Prime Account

Green Belt Bank & Trust CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month CD
1.60%	$500	-	48 Month CD
1.50%	$500	-	36 Month CD
1.20%	$500	-	30 Month CD
1.05%	$500	-	24 Month CD
0.90%	$500	-	18 Month CD
0.75%	$500	-	12 Month Add-On CD
0.55%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Green Belt Bank & Trust IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA CD
2.00%	$500	-	60 Month Roth IRA CD
2.00%	$500	-	60 Month Coverdell ESA CD
2.00%	$500	-	60 Month SEP IRA CD
1.60%	$500	-	48 Month IRA CD
1.60%	$500	-	48 Month Roth IRA CD
1.60%	$500	-	48 Month Coverdell ESA CD
1.60%	$500	-	48 Month SEP IRA CD
1.50%	$500	-	36 Month IRA CD
1.50%	$500	-	36 Month Roth IRA CD
1.50%	$500	-	36 Month Coverdell ESA CD
1.50%	$500	-	36 Month SEP IRA CD
1.20%	$500	-	30 Month IRA CD
1.20%	$500	-	30 Month Roth IRA CD
1.20%	$500	-	30 Month Coverdell ESA CD
1.20%	$500	-	30 Month SEP IRA CD
1.05%	$500	-	24 Month IRA CD
1.05%	$500	-	24 Month Roth IRA CD
1.05%	$500	-	24 Month Coverdell ESA CD
1.05%	$500	-	24 Month SEP IRA CD
0.90%	$500	-	18 Month IRA CD
0.90%	$500	-	18 Month Roth IRA CD
0.90%	$500	-	18 Month Coverdell ESA CD
0.90%	$500	-	18 Month SEP IRA CD
0.75%	$500	-	12 Month Add-On IRA CD
0.75%	$500	-	12 Month Add-On Roth IRA CD
0.75%	$500	-	12 Month Add-On Coverdell ESA CD
0.75%	$500	-	12 Month Add-On SEP IRA CD
0.55%	$1k	-	6 Month IRA CD
0.55%	$1k	-	6 Month Roth IRA CD
0.55%	$1k	-	6 Month Coverdell ESA CD
0.55%	$1k	-	6 Month SEP IRA CD
0.25%	$1k	-	3 Month IRA CD
0.25%	$1k	-	3 Month Roth IRA CD
0.25%	$1k	-	3 Month Coverdell ESA CD
0.25%	$1k	-	3 Month SEP IRA CD

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Green Belt Bank & Trust
FDIC Certificate #	26760
BankRate Report	View
Year Established	1986
Employees	60
Primary Regulator	FDIC
Assets and Liabilities
Assets	$340.08 million
Loans	$242.30 million
Deposits	$309.86 million
Equity Capital	$28.87 million
Loan Loss Allowance	$1.92 million
Unbacked Noncurrent Loans	$289,000
Real Estate Owned	$136,000
Historic Data - March 2011
Assets	$292.08 million
Equity Capital	$26.73 million
Loan Loss Allowance	$1.91 million
Unbacked Noncurrent Loans	$888,000
Real Estate Owned	$235,000
Profit Margin - Quarterly
Net Interest Margin	3.27%
Return on Assets	1.58%
Return on Equity	18.2%
Interest Income	$3.52 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Green Belt Bank & Trust had $425,000 in non-current loans and owned real-estate with $30.79 million in equity and loan loss allowances on hand to cover it. This gives Green Belt Bank & Trust a Texas Ratio of 1.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Green Belt Bank & Trust decreased significantly from 3.92% as of March 31, 2011 to 1.38% as of March 31, 2012, resulting in a positive change of 64.81%.This indicates that the balance sheet and financial strength for Green Belt Bank & Trust has improved significantly in recent periods.
Deposit Growth
In the past year, Green Belt Bank & Trust has increased its total deposits by $46.02 million, resulting in 17.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Green Belt Bank & Trust has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Green Belt Bank & Trust has $340.08 million in assets with $30.79 million in equity, resulting in a capitalization level of 9.05%, which is average.

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