Treynor State Bank is headquartered in Treynor and is the 61st largest bank in the state of Iowa. It is also the 2,249th largest bank in the nation. It was established in 1923 and as of December of 2013, it had grown to 68 employees at 5 locations. Treynor State Bank has a B+ health rating.
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5/17 - Treynor State In Iowa Lowers Cap On Reward Checking
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.
Very Personal Service, Even From 400 Miles Away
I have been very happy with my ts bank kasasa checking/savings. The customer service is very personal (they have called me a few times to give me a heads up on different updates to the account., and always are helpful when I call or email.) their mobile deposit is easy to use (easier than my"big bank" account that I hold for my business) and money is deposited very fast. The account reciprocates quickly with my paypal disposition and withdrawals, making cash flow better as well. I wouldn't hesitate to recommend them to a responsible banking customer who knows how to use their check card as a "credit" card and keeps track of their spending.
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 Q4 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 December 31, 2013 Treynor State Bank had $2.65 million in non-current loans and owned real-estate with $18.65 million in equity and loan loss allowances on hand to cover it. This gives Treynor State Bank a Texas Ratio of 14.22% 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 19.73% as of December 31, 2012 to 14.22% as of December 31, 2013, resulting in a positive change of 27.95%.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 $36.65 million, resulting in 17.62% 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 $286.12 million in assets with $18.65 million in equity, resulting in a capitalization level of 6.52%, which is below average.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 14812 |
| Year Established | 1923 |
| Employees | 68 |
| Primary Regulator | FDIC |
| Assets and Liabilities | |
|---|---|
| Assets | $286.12 million |
| Loans | $91.71 million |
| Deposits | $244.62 million |
| Equity Capital | $17.89 million |
| Loan Loss Allowance | $755,000 |
| Unbacked Noncurrent Loans | $2.36 million |
| Real Estate Owned | $292,000 |
| Historic Data - December 2012 | |
|---|---|
| Assets | $261.77 million |
| Equity Capital | $23.53 million |
| Loan Loss Allowance | $1.06 million |
| Unbacked Noncurrent Loans | $2.36 million |
| Real Estate Owned | $310,000 |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.35% |
| Return on Assets | 1.15% |
| Return on Equity | 16.14% |
| Interest Income | $10.62 million |
Always verify rates and promotions with the bank or credit union. We are not Treynor State Bank, we are a rate comparison website and can not provide official rates or promotions.
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 |
|---|---|---|---|---|
| 1.62% | $1k | - | 60 Month CD | |
| 1.38% | $1k | - | 48 Month CD | |
| 0.99% | $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 |