Laurens State Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.25%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
1.20%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	2.20% - Barclays Online Savings Account

View all Laurens State Bank rates »

Overview / Commentary

www.laurensstatebank.com

712-845-2627

102 South Third Street
Laurens, IA 50554

Laurens State Bank is headquartered in Laurens and is the 226^th largest bank in the state of Iowa. It is also the 4,579^th 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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Health

Data as of Q4 2018

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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

Overall
FDIC Certificate #	15320
Year Established	1935
Employees	14
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.37%
Return on Equity - YTD	12.8%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$71.0MM$68.1MM
Loans	Q4 2018vs Q4 2017	$29.9MM$29.5MM
Deposits	Q4 2018vs Q4 2017	$62.5MM$59.9MM
Equity Capital	Q4 2018vs Q4 2017	$7.8MM$7.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$352.00K$353.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$0$82.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Money Market
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$1k	Christmas 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Laurens State Bank Locations
Laurens State Bank	102 South Third Street	Laurens, IA 50554
Mallard Branch	602 Inman Street	Mallard, IA 50562
Emmetsburg Branch	2407 Main Street	Emmetsburg, IA 50536

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