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Overview / Commentary
712-845-2627
102 South Third Street
Laurens, IA 50554

Laurens State Bank is headquartered in Laurens and is the 240th largest bank in the state of Iowa. It is also the 4,949th largest bank in the nation. It was established in 1935 and as of June of 2017, it had grown to 15 employees at 3 locations. Laurens State Bank has an A health rating.

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Health
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

Overall
FDIC Certificate #15320
Year Established1935
Employees15
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD11.44%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$64.7MM$64.3MM
LoansQ2 2017vs Q2 2016$28.4MM$28.8MM
DepositsQ2 2017vs Q2 2016$56.7MM$56.0MM
Equity CapitalQ2 2017vs Q2 2016$7.5MM$7.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$353.00K$360.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$0$0
Real Estate OwnedQ2 2017vs Q2 2016$78.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$1kChristmas Club
OTHER TIERS: 0.26% $1k+
0.10%$100-Passbook Savings
0.10%$100-Statement Savings
0.10%$100-Business Passbook Savings
0.10%$100-Business Statement Savings

Laurens State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k
0.30%*$100k*-Business Money Market
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Laurens State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$2,500*-Interest Checking
OTHER TIERS: 0.10% Up to $2,500
0.15%*$2,500*-Business Interest Checking
OTHER TIERS: 0.10% Up to $2,500

Laurens State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-5 Year CD
1.25%$500-4 Year CD
1.00%$500-3 Year CD
0.80%$500-2 Year CD
0.65%$500-1 Year CD
0.40%$1k-6 Month CD
0.25%$1k-3 Month CD
Locations


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