Waukon State Bank

Overview / Commentary

www.waukonstatebank.com

563-568-3451

22 West Main Street
Waukon, IA 52172

Waukon State Bank is headquartered in WAUKON and is the 79^th largest bank in the state of Iowa. It is also the 2,076^th largest bank in the nation. It was established in 1871 and as of June of 2024, it had grown to 49 employees at 4 locations. Waukon State Bank's money market rates are 5X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	1857
Year Established	1871
Employees	49
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	10.9%
Annual Interest Income	$9.7MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$394MM$406.6MM
Loans	Q2 2024vs Q2 2023	$328.5MM$327.5MM
Deposits	Q2 2024vs Q2 2023	$330.5MM$334.3MM
Equity Capital	Q2 2024vs Q2 2023	$40.5MM$40.1MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$5MM$5.1MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$0$3.7MM
Real Estate Owned	Q2 2024vs Q2 2023	$2.2MM$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Waukon State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$0	-	Health Savings Account
0.25%	$0	-	One Statement Saving Account
0.25%	$0	-	Saving Account
0.25%	$0	-	College Fund Account
0.25%	$0	-	Christmas Club Account

Waukon State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$1m^*	-	Money Market Account
OTHER TIERS: 1.00% → $0 - $25k \| 1.25% → $25k - $100k \| 1.45% → $100k - $250k \| 1.60% → $250k - $500k \| 1.80% → $500k+

Waukon State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$0	-	NOW Account

Waukon State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.65%	$500	-	15 Month Certificate Special
3.02%	$500	-	60 Month CD
2.92%	$500	-	48 Month CD
2.92%	$500	-	42 Month CD
2.92%	$10k	-	42 Month w/ One-Time Rate Change
2.82%	$500	-	36 Month CD
2.66%	$500	-	24 Month CD
2.62%	$500	-	18 Month CD
2.52%	$500	-	12 Month CD
1.00%	$1k	-	91 Day CD
1.00%	$1k	-	182 Day CD
1.00%	$0	-	24 Month Burial Certificate

Waukon State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.02%	$100	-	Variable IRA CD
3.02%	$500	-	Fixed IRA CD

Locations

Waukon State Bank Locations
Viking State Bank & Trust Brach Branch	1801 Old Stage Road	Decorah, IA 52101
Waukon State Bank	22 W Main St	Waukon, IA 52172
Parking Lot Branch	301 Rossville Road	Waukon, IA 52172
Decorah Branch	321 West Water Street	Decorah, IA 52101

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