Treynor State Bank is headquartered in Treynor and is the 56th largest bank in the state of Iowa. It is also the 2,200th largest bank in the nation. It was established in 1923 and as of September of 2013, it had grown to 66 employees at 5 locations. Treynor State Bank has a B health rating.
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Warning To Out Of Area Potential Customers
Based upon a positive review I read, I opened an account. It seems this bank was/is not prepared to deal with out of area customers. They have sent me marketing materials for reasonably good, special CD rates through the mail, but even though I am a current customer they refused to open them for me. I was told I couldn't apply for the special offers unless I was willing to travel to a brick and mortar bank branch. They also have bad customer service via e-mail. I was surprised to see a branch manager responding to one of my e-mails when I had a question, however, I've found overall that 3 out 4 e-mails go unanswered. Those who cannot bank in person should stay away....thanks.
Ts Bank Rocks Like No Other
TS Bank is raising alot of eye brows and people seem to be flocking to this small community bank that is fiercely personal and ready to give your business and personal accounts lots of TLC and added value.I have opened an account and made some investments with them and they have a rockin trust department that handles complex money management estate planning. They are different from the mega bank I am used to. Wow, what a difference!
Data for Q3 2013
Institution Health
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 September 30, 2013 Treynor State Bank had $3.4 million in non-current loans and owned real-estate with $16.56 million in equity and loan loss allowances on hand to cover it. This gives Treynor State Bank a Texas Ratio of 20.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Treynor State Bank decreased slightly from 24.36% as of September 30, 2012 to 20.52% as of September 30, 2013, resulting in a positive change of 15.78%.This indicates that the balance sheet and financial strength for Treynor State Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Treynor State Bank has increased its total deposits by $57.64 million, resulting in 29.75% 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 Treynor 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. Treynor State Bank has $291.85 million in assets with $16.56 million in equity, resulting in a capitalization level of 5.67%, which is below average.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 14812 |
| Year Established | 1923 |
| Employees | 66 |
| Primary Regulator | FDIC |
| Assets and Liabilities | |
|---|---|
| Assets | $291.85 million |
| Loans | $89.05 million |
| Deposits | $251.35 million |
| Equity Capital | $15.16 million |
| Loan Loss Allowance | $1.40 million |
| Unbacked Noncurrent Loans | $3.10 million |
| Real Estate Owned | $294,000 |
| Historic Data - September 2012 | |
|---|---|
| Assets | $249.37 million |
| Equity Capital | $20.64 million |
| Loan Loss Allowance | $1.13 million |
| Unbacked Noncurrent Loans | $3.10 million |
| Real Estate Owned | $297,000 |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.38% |
| Return on Assets | 1.22% |
| Return on Equity | 16.6% |
| Interest Income | $7.92 million |
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Treynor State Bank Savings Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.31% | - | $25k | Kasasa Saver | |
| 0.02% | - | - | Select Savings | |
| 0.01% | - | - | Kasasa Saver |
Treynor State Bank Money Market Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.15% | $25k | - | Prime Plus Money Market |
Treynor State Bank Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 3.01% | - | $10k | Kasasa Cash | |
| 3.01% | - | $10k | Kasasa Giving | |
| 0.01% | $1k | - | Interest on Checking | |
| 0.01% | - | - | Kasasa Cash | |
| 0.01% | - | - | Kasasa Giving |
Treynor State Bank CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.58% | $1k | - | 60 Month CD | |
| 1.27% | $1k | - | 48 Month CD | |
| 0.84% | $1k | - | 36 Month CD |
| Treynor State Bank Locations | ||
|---|---|---|
| Treynor State Bank | 15 East Main Street | Treynor, IA 51575 |
| Hy-Vee Madison Avenue Branch | 1745 Madison Avenue | Council Bluffs, IA 51503 |
| Tj Branch | 2501 West Broadway | Council Bluffs, IA 51501 |
| Macedonia Branch | 314 Main Street | Macedonia, IA 51549 |
| Treynor State Bank | 3201 West Broadway | Council Bluffs, IA 51501 |