Laurens State Bank

Overview / Commentary
102 South Third Street
Laurens, IA 50554

Laurens State Bank is headquartered in Laurens and is the 217th largest bank in the state of Iowa. It is also the 4,420th largest bank in the nation. It was established in 1935 and as of June of 2020, it had grown to 14 employees at 3 locations. Laurens State Bank 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 - YTD1.13%
Return on Equity - YTD9.4%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$72.0MM$68.1MM
LoansQ2 2020vs Q2 2019$27.1MM$27.9MM
DepositsQ2 2020vs Q2 2019$62.6MM$59.2MM
Equity CapitalQ2 2020vs Q2 2019$8.6MM$8.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$342.00K$349.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$0$0
Real Estate OwnedQ2 2020vs Q2 2019$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

0.25%*-$1kChristmas Club
OTHER TIERS: 0.02% $1k+
0.02%$100-Passbook Savings
0.02%$100-Statement Savings
0.02%$100-Business Passbook Savings
0.02%$100-Business Statement Savings

Laurens State Bank Money Market Rates

0.07%*$50k*-Money Market Account
OTHER TIERS: 0.03% Up to $25k | 0.05% $25k - $50k
0.07%*$50k*-Business Money Market
OTHER TIERS: 0.03% Up to $25k | 0.05% $25k - $50k

Laurens State Bank Checking Account Rates

0.03%*$2.5k*-Interest Checking
OTHER TIERS: 0.01% Up to $2.5k
0.03%*$2.5k*-Business Interest Checking
OTHER TIERS: 0.01% Up to $2.5k

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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