Kingsley State Bank

Kingsley State Bank is headquartered in Kingsley and is the 129^th largest bank in the state of Iowa. It is also the 3,912^st largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 21 employees at 3 locations. Kingsley State Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Kingsley State Bank Routing Number: 073906445

Kingsley State Bank Checking Account Rates

Kingsley State Bank Savings Account Rates

Kingsley State Bank Money Market Rates

Kingsley State Bank CD Rates

Kingsley State Bank IRA Rates

Data for Q1 2012

Institution Statistics Kingsley State Bank FDIC Certificate # 19447 BankRate Report View Year Established 1883 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $147.75 million Loans $54.68 million Deposits $126.69 million Equity Capital $20.77 million Loan Loss Allowance $953,000 Unbacked Noncurrent Loans $157,000 Historic Data - March 2011 Assets $133.38 million Equity Capital $18.50 million Loan Loss Allowance $1,000,000 Unbacked Noncurrent Loans $934,000 Real Estate Owned $100,000 Profit Margin - Quarterly Net Interest Margin 2.92% Return on Assets 1.6% Return on Equity 11.38% Interest Income $1.25 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 Kingsley State Bank had $157,000 in non-current loans and owned real-estate with $21.72 million in equity and loan loss allowances on hand to cover it. This gives Kingsley State Bank a Texas Ratio of 0.72% 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 Kingsley State Bank decreased significantly from 5.30% as of March 31, 2011 to 0.72% as of March 31, 2012, resulting in a positive change of 86.37%.This indicates that the balance sheet and financial strength for Kingsley State Bank has improved significantly in recent periods. Deposit Growth In the past year, Kingsley State Bank has increased its total deposits by $12.11 million, resulting in 10.57% 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 Kingsley State Bank 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. Kingsley State Bank has $147.75 million in assets with $21.72 million in equity, resulting in a capitalization level of 14.70%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.