Bank · FDIC insured
Atkins Savings Bank & Trust
A $172.2M bank headquartered in Atkins, IA, with 1 branch in Iowa. Best rates: CDs 4.30% and savings 0.50% APY.
Atkins Savings Bank & Trust Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#10 of 29 in Cedar Rapids, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Atkins Savings Bank & Trust
Atkins Savings Bank & Trust is a locally owned and operated bank headquartered in Atkins, Iowa.
Originating with Atkins Savings Bank in 1894 and Farmers Savings Bank in 1915, the institutions merged in 1927 as Peoples Savings Bank before adopting the current name in 1984.
- Headquarters
- 97 Main Ave, Atkins, IA 52206
- FDIC certificate
- 9096 ↗
Branches
1 branch in Iowa
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Iowa
1 branch
- Atkins Savings Bank & TrustMain office97 Main Ave, Atkins, IA 52206Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.91% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.05% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.50% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio11.91%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.05%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.50%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Atkins Savings Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.