Overview / Commentary
102 South Third Street
Laurens, IA 50554

Laurens State Bank is headquartered in Laurens and is the 226th largest bank in the state of Iowa. It is also the 4,579th largest bank in the nation. It was established in 1935 and as of December of 2018, it had grown to 14 employees at 3 locations. Laurens State Bank's CD rates are 33% higher than the national average, and it has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Laurens State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #15320
Year Established1935
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD12.8%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$71.0MM$68.1MM
LoansQ4 2018vs Q4 2017$29.9MM$29.5MM
DepositsQ4 2018vs Q4 2017$62.5MM$59.9MM
Equity CapitalQ4 2018vs Q4 2017$7.8MM$7.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$352.00K$353.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$82.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Laurens State Bank Savings Account Rates

0.50%*-$1kChristmas Club
OTHER TIERS: 0.26% $1k+
0.15%$100-Passbook Savings
0.15%$100-Statement Savings
0.15%$100-Business Passbook Savings
0.15%$100-Business Statement Savings

Laurens State Bank Money Market Rates

0.40%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $2.5k | 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k
0.40%*$100k*-Business Money Market
OTHER TIERS: 0.05% Up to $2.5k | 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k

Laurens State Bank Checking Account Rates

0.15%*$2.5k*-Interest Checking
OTHER TIERS: 0.10% Up to $2.5k
0.15%*$2.5k*-Business Interest Checking
OTHER TIERS: 0.10% Up to $2.5k

Laurens State Bank CD Rates

2.25%$500-5 Year CD
2.00%$500-4 Year CD
1.65%$500-3 Year CD
1.40%$500-2 Year CD
1.20%$500-1 Year CD
0.85%$1k-6 Month CD
0.60%$1k-3 Month CD

Laurens State Bank Locations
Laurens State Bank102 South Third StreetLaurens, IA 50554
Mallard Branch602 Inman StreetMallard, IA 50562
Emmetsburg Branch2407 Main StreetEmmetsburg, IA 50536

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