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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 241st largest bank in the state of Iowa. It is also the 5,083rd largest bank in the nation. It was established in 1935 and as of September of 2016, it had grown to 15 employees at 3 locations. Laurens State Bank has a B+ health rating.

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Health
B+
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 - YTD1.22%
Return on Equity - YTD10.44%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$64.7MM$64.2MM
LoansQ3 2016vs Q3 2015$29.3MM$28.1MM
DepositsQ3 2016vs Q3 2015$56.4MM$56.3MM
Equity CapitalQ3 2016vs Q3 2015$7.8MM$7.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$353.00K$361.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$77.00K$10.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$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+
0.05%$100-Passbook Savings
0.05%$100-Statement Savings
0.05%$100-Business Passbook Savings
0.05%$100-Business Statement Savings

Laurens State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Money Market Account
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $100k
0.15%*$100k*-Business Money Market
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $100k

Laurens State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$2,500*-Interest Checking
OTHER TIERS: 0.02% $100 - $2,500
0.05%*$2,500*-Business Interest Checking
OTHER TIERS: 0.02% $100 - $2,500

Laurens State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$500-5 Year CD
1.25%$500-4 Year CD
0.90%$500-3 Year CD
0.75%$500-2 Year CD
0.40%$500-1 Year CD
0.25%$1k-6 Month CD
0.15%$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