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Exchange State Bank (IA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.esb1.com
515-232-5060
823 Wheeler St
Ames, IA 50010

Exchange State Bank (IA) is headquartered in AMES and is the 168th largest bank in the state of Iowa. It is also the 3,416th largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 14 employees at 3 locations. Exchange State Bank (IA)'s CD rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10132
Year Established1902
Employees14
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.63%
Return on Equity - YTD17.59%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$145.7MM$134.2MM
LoansQ1 2025vs Q1 2024$118MM$114.1MM
DepositsQ1 2025vs Q1 2024$118.3MM$108.7MM
Equity CapitalQ1 2025vs Q1 2024$13.6MM$13MM
Loan Loss AllowanceQ1 2025vs Q1 2024$762K$982K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Exchange State Bank (IA); we are a rate comparison website and cannot provide official rates or promotions.

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

Exchange State Bank (IA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-Safari Savings Club
0.15%$0-Regular Savings
0.15%*$2.5k*-Health Savings Account
OTHER TIERS: 0.10% → $0 - $2.5k

Exchange State Bank (IA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-Money Market
OTHER TIERS: 0.50% → $0 - $25k | 0.60% → $25k - $100k | 0.80% → $100k - $250k

Exchange State Bank (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Checking with Interest

Exchange State Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$10k*-6 Month CD
OTHER TIERS: 2.00% → $1k - $10k
3.75%*$10k*-12 Month CD
OTHER TIERS: 2.00% → $1k - $10k
3.75%*$10k*-9 Month CD
OTHER TIERS: 2.00% → $1k - $10k
3.25%*$10k*-18 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.50%*$10k*-24 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.50%*$10k*-30 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.50%*$10k*-36 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.50%*$10k*-42 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.50%*$10k*-48 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.50%*$10k*-60 Month CD
OTHER TIERS: 2.00% → $1k - $10k

Exchange State Bank (IA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$20-IRA Savings
Locations


Exchange State Bank (IA) Locations
Exchange State Bank823 Wheeler StAmes, IA 50010
Exira Exchange Branch207 East WashingtonExira, IA 50076
Ames Branch104 Main StreetCollins, IA 50055

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