Iowa Trust & Savings Bank


Iowa Trust & Savings Bank is an FDIC insured institution headquartered at 2101 10th St, Emmetsburg, IA 50536.
It was founded in 1929 and has approximately $1 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - July 31, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $500 Compare
12 Mo CD
0.20% $500 Compare
Special: 12 Mo CD
0.45% $10,000 Compare
Special: 12 Mo CD
0.61% $50,000 Compare
18 Mo CD
0.25% $500 Compare
36 Mo CD
0.40% $500 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18400
Date Established 1929
Assets $ 542.90 million
Loans $ 382.67 million
Deposits $ 428.92 million
Capital $ 55.00 million

Summary Balance Sheet as of March 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 45.30 million
Interest-bearing balances $ 42.34 million
Total securities $ 82.49 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 382.67 million
Loan loss allowance $ 5.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.08 million
Goodwill and other intangibles $ 5.11 million
All other assets $ 15.30 million
     Total Assets $ 487.90 million

LIABILITIES
Total deposits $ 428.92 million
      Interest-bearing deposits $ 354.34 million
      Deposits held in domestic offices $ 428.92 million
      % insured (estimated)" 69.77%
Federal funds purchased and repurchase agreements $ 0.66 million
Trading liabilities N.A.
Other borrowed funds $ 11.00 million
Subordinated debt N.A.
All other liabilities $ 2.89 millionn
      Total Liabilities $ 487.90 million
      Shareholders’ Equity $ 55.00 million

Summary Income Statement as of March 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 7.19 million
Total Interest Expense $ 3.10 million
Net interest income $ 4.09 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.26 million
Total non interest expense $ 3.25 million
Pre-tax Net Operating Income $ 2.69 million

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Branches

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Iowa Trust & Savings Bank Locations