South Ottumwa Savings Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.sosb-ia.com

641-682-7541

320 Church Street
Ottumwa, IA 52501

South Ottumwa Savings Bank is headquartered in OTTUMWA and is the 57^th largest bank in the state of Iowa. It is also the 1,685^th largest bank in the nation. It was established in 1903 and as of March of 2025, it had grown to 74 employees at 6 locations. South Ottumwa Savings Bank has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	9099
Year Established	1903
Employees	74
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	7.74%
Annual Interest Income	$5.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$547.7MM$546.6MM
Loans	Q1 2025vs Q1 2024	$318.9MM$315.2MM
Deposits	Q1 2025vs Q1 2024	$464.7MM$463.2MM
Equity Capital	Q1 2025vs Q1 2024	$65.9MM$64.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.4MM$3.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.2MM$1.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$354K$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for South Ottumwa Savings Bank are currently being reviewed.

Locations

South Ottumwa Savings Bank Locations
Hedrick Branch	101 South Main	Hedrick, IA 52563
North Court Branch	2525 North Court Street	Ottumwa, IA 52501
South Ottumwa Savings Bank	320 Church St	Ottumwa, IA 52501
West Liberty State Bank Branch	101 East Fourth Street	West Liberty, IA 52776
102 South Main Branch	102 South Main	Albia, IA 52531
Albia Drive-Thru Branch	217 South Main Street	Albia, IA 52531

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