First National Bank, Ames, Iowa

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Overview / Commentary

515-232-5561

405 Fifth Street
Ames, IA 50010

First National Bank, Ames, Iowa is headquartered in Ames and is the 24^th largest bank in the state of Iowa. It is also the 925^th largest bank in the nation. It was established in 1903 and as of June of 2021, it had grown to 124 employees at 10 locations. First National Bank, Ames, Iowa has an A health rating.

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2009
2006

5/31 - 4.01% Reward Checking Account at First Bank in Iowa

7/30 - 6.20% 60-Month / 6.01% 45-Month CD at an Iowa Bank (plus 6.35% Flex CD)

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Health

A

Data as of Q2 2021

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Health Grade Components

Overall
FDIC Certificate #	1545
Year Established	1903
Employees	124
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.17%
Return on Equity - YTD	12.38%
Annual Interest Income	$15.4MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$1.08B$981.7MM
Loans	Q2 2021vs Q2 2020	$614.5MM$609.1MM
Deposits	Q2 2021vs Q2 2020	$952.7MM$855.8MM
Equity Capital	Q2 2021vs Q2 2020	$101.4MM$96.4MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$10.0MM$8.2MM
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$9.1MM$10.2MM
Real Estate Owned	Q2 2021vs Q2 2020	$0$0

Rates

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

First National Bank, Ames, Iowa Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$100k^*	-	IRA Savings
OTHER TIERS: 0.25% → Up to $25k \| 0.35% → $25k - $100k
0.10%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $5k
0.05%	-	-	Savings Account
0.05%	-	-	Kid's First Savings

First National Bank, Ames, Iowa Money Market Rates

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

First National Bank, Ames, Iowa Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.07%	-	-	First Point Checking
0.05%	$2.5k	-	Premier Checking
0.05%	-	-	Commercial Checking with Interest
0.02%	$500	-	Checking with Interest

First National Bank, Ames, Iowa CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$30k^*	-	5 Year CD
OTHER TIERS: 0.55% → $1k - $15k \| 0.60% → $15k - $30k
0.55%^*	$30k^*	-	4 Year CD
OTHER TIERS: 0.45% → $1k - $15k \| 0.50% → $15k - $30k
0.45%^*	$30k^*	-	3 Year CD
OTHER TIERS: 0.35% → $1k - $15k \| 0.40% → $15k - $30k
0.35%^*	$30k^*	-	2 Year CD
OTHER TIERS: 0.25% → $1k - $15k \| 0.30% → $15k - $30k
0.35%^*	$30k^*	-	24 Month ADD IT UP CD
OTHER TIERS: 0.01% → $100 - $1k \| 0.25% → $1k - $15k \| 0.30% → $15k - $30k
0.35%^*	$25k^*	-	21 Month CD Special
OTHER TIERS: 0.30% → $10k - $25k
0.30%^*	$30k^*	-	1 1/2 Year CD
OTHER TIERS: 0.20% → $1k - $15k \| 0.25% → $15k - $30k
0.25%^*	$30k^*	-	1 Year CD
OTHER TIERS: 0.15% → $1k - $15k \| 0.20% → $15k - $30k
0.25%^*	$25k^*	-	11 Month CD Special
OTHER TIERS: 0.20% → $10k - $25k
0.20%^*	$30k^*	-	6 Month CD
OTHER TIERS: 0.10% → $1k - $15k \| 0.15% → $15k - $30k

Locations

First National Bank, Ames, Iowa Locations
Osceola Branch	1320 Jeffreys Drive	Osceola, IA 50213
Osceola Br	139 S Main Street	Osceola, IA 50213
Johnston/86th Street Branch	8430 Birchwood Court, Suite 1100	Johnston, IA 50131
Fifth Street Branch	301 Fifth Street	West Des Moines, IA 50265
First Bank Branch	5625 Mills Civic Parkway	West Des Moines, IA 50266
First National Bank, Ankeny Office	1205 North Ankeny Boulevard	Ankeny, IA 50021
University Branch	3334 Lincoln Way	Ames, IA 50010
North Grand Branch	2406 Grand Ave	Ames, IA 50010
First National Bank, Ames, Iowa	405 Fifth Street	Ames, IA 50010

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