Exchange State Bank (IA)

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 180^th largest bank in the state of Iowa. It is also the 3,722^nd largest bank in the nation. It was established in 1902 and as of September of 2021, it had grown to 16 employees at 3 locations. Exchange State Bank (IA) has an A+ health rating.

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Health

A+

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	10132
Year Established	1902
Employees	16
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.55%
Return on Equity - YTD	16.89%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$132.7MM$118.6MM
Loans	Q3 2021vs Q3 2020	$97.1MM$97.5MM
Deposits	Q3 2021vs Q3 2020	$109.6MM$92.9MM
Equity Capital	Q3 2021vs Q3 2020	$12.7MM$11.9MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$968.00K$950.00K
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$0$0
Real Estate Owned	Q3 2021vs Q3 2020	$0$0

Rates

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Savings
Money Market
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.

Exchange State Bank (IA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$20	-	IRA Savings
0.15%	$10	-	Safari Savings Club
0.05%	$100	-	Regular Savings

Exchange State Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Money Market
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $100k

Exchange State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$100	-	Checking with Interest

Exchange State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$10k^*	-	60 Month CD
OTHER TIERS: 0.50% → $1k - $10k
0.60%^*	$10k^*	-	48 Month CD
OTHER TIERS: 0.40% → $1k - $10k
0.50%^*	$10k^*	-	36 Month CD
OTHER TIERS: 0.35% → $1k - $10k
0.50%^*	$10k^*	-	42 Month CD
OTHER TIERS: 0.35% → $1k - $10k
0.45%^*	$10k^*	-	24 Month CD
OTHER TIERS: 0.30% → $1k - $10k
0.45%^*	$10k^*	-	30 Month CD
OTHER TIERS: 0.30% → $1k - $10k
0.40%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.20% → $1k - $10k
0.25%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.10% → $1k - $10k
0.20%^*	$10k^*	-	9 Month CD
OTHER TIERS: 0.10% → $1k - $10k
0.15%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.05% → $1k - $10k

Exchange State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$10k^*	-	60 Month IRA
OTHER TIERS: 0.50% → $1k - $10k
0.50%^*	$10k^*	-	36 Month IRA
OTHER TIERS: 0.35% → $1k - $10k
0.25%^*	$10k^*	-	12 Month IRA
OTHER TIERS: 0.10% → $1k - $10k

Locations

Exchange State Bank (IA) Locations
Exchange State Bank	823 Wheeler St	Ames, IA 50010
Exira Exchange Branch	207 East Washington	Exira, IA 50076
Ames Branch	104 Main Street	Collins, IA 50055

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