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 - May 04, 2026

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 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18400
Date Established 1929
Assets $ 523.44 million
Loans $ 344.33 million
Deposits $ 394.24 million
Capital $ 59.24 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 53.76 million
Interest-bearing balances $ 48.97 million
Total securities $ 92.45 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 344.33 million
Loan loss allowance $ 5.78 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.21 million
Goodwill and other intangibles $ 4.89 million
All other assets $ 15.30 million
     Total Assets $ 464.20 million

LIABILITIES
Total deposits $ 394.24 million
      Interest-bearing deposits $ 323.81 million
      Deposits held in domestic offices $ 394.24 million
      % insured (estimated)" 70.10%
Federal funds purchased and repurchase agreements $ 0.32 million
Trading liabilities N.A.
Other borrowed funds $ 11.00 million
Subordinated debt N.A.
All other liabilities $ 2.89 millionn
      Total Liabilities $ 464.20 million
      Shareholders’ Equity $ 59.24 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 28.10 million
Total Interest Expense $ 11.52 million
Net interest income $ 16.58 million
Provision for loan and lease losses N.A.
Total non interest income $ 5.58 million
Total non interest expense $ 15.16 million
Pre-tax Net Operating Income $ 2.69 million

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Branches

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Iowa Trust & Savings Bank Locations