CUSB Bank

Overview / Commentary

www.cusb.com

563-547-2040

111 North Elm Street
Cresco, IA 52136

CUSB Bank is headquartered in CRESCO and is the 32^nd largest bank in the state of Iowa. It is also the 1,282^nd largest bank in the nation. It was established in 1888 and as of June of 2024, it had grown to 101 employees at 7 locations. CUSB Bank's CD rates are 5X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	18443
Year Established	1888
Employees	101
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	9.09%
Annual Interest Income	$19.3MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$755.5MM$718.5MM
Loans	Q2 2024vs Q2 2023	$573.1MM$521.2MM
Deposits	Q2 2024vs Q2 2023	$612.4MM$597.9MM
Equity Capital	Q2 2024vs Q2 2023	$80.3MM$73MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$7MM$9MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$893K$1.1MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CUSB Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$0	-	Health Savings Account
0.20%	$0	-	Savings
0.20%	$0	-	Christmas Club Savings

CUSB Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.17%^*	$500k^*	-	Optimum Return
OTHER TIERS: 1.36% → $2.5k - $25k \| 1.51% → $25k - $50k \| 1.61% → $50k - $75k \| 1.81% → $75k - $125k \| 2.02% → $125k - $500k
0.25%^*	$1.5k^*	-	High Interest Checking
OTHER TIERS: 0.05% → $0 - $1.5k
0.25%	$0	-	Business Interest Checking
0.05%	$0	-	50+Checking
0.05%	$0	-	Direct Free Checking

CUSB Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.45%	$1k	-	182 Days CD Special
4.24%	$1k	-	12 Month CD
3.85%	$2.5k	-	25 Month CD Special
3.33%	$1k	-	30 Month Exchange Rate CD
3.02%	$1k	-	36 Month Exchange Rate CD
2.31%	$1k	-	18 Month Exchange Rate CD
2.06%	$500	-	24 Month Build Your Own CD
2.01%	$5k	-	60 Month CD
1.91%	$5k	-	60 Month Exchange Rate CD
1.51%	$500	-	91 Day CD

CUSB Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.33%	$1k	-	30 Month IRA
3.02%	$1k	-	36 Month IRA
2.31%	$1k	-	18 Month IRA
1.91%	$5k	-	60 Month IRA
1.76%	$100	-	Variable Rate IRA

Locations

CUSB Bank Locations
C US Bank	111 N Elm St	Cresco, IA 52136
Lime Springs Branch	132 West Main Street	Lime Springs, IA 52155
Charles City Branch	1407 South Grand Avenue	Charles City, IA 50616
Ridgeway Branch	410 North Street, Highway 9	Ridgeway, IA 52165
Osage Branch	1533 Main Street	Osage, IA 50461
Security State Bank Branch	933 16th St Sw	Waverly, IA 50677
Shell Rock Branch	104 N. Cherry	Shell Rock, IA 50670

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