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Exchange State Bank (IA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 171st largest bank in the state of Iowa. It is also the 3,471st largest bank in the nation. It was established in 1902 and as of December of 2024, it had grown to 14 employees at 3 locations. Exchange State Bank (IA)'s CD rates are 4X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10132
Year Established1902
Employees14
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD17.86%
Annual Interest Income$7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$141.9MM$132.7MM
LoansQ4 2024vs Q4 2023$118.5MM$110.5MM
DepositsQ4 2024vs Q4 2023$115MM$109.4MM
Equity CapitalQ4 2024vs Q4 2023$13MM$12.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$762K$982K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$0$0
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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* 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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