Bank · FDIC insured
Earlham Bank
Top CarrotA $382.5M bank headquartered in West Des Moines, IA, with 9 branches in Iowa. Best rates: CDs 4.00% and savings 3.25% APY.
Earlham Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#15 of 53 in Des Moines, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Earlham Bank
Earlham Savings Bank opened on January 1, 1931, and serves Central Iowa with nine branch locations.
- Headquarters
- 7300 Lake Dr, West Des Moines, IA 50266
- FDIC certificate
- 5796 ↗
Branches
9 branches in Iowa
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Iowa
9 branches
- Earlham Savings BankMain office7300 Lake Dr, West Des Moines, IA 50266Directions
- Bevington Office Of Earlham Savings Bank203 W Highway 92, Bevington, IA 50033Directions
- De Soto BranchGuthrie Street, De Soto, IA 50069Directions
- Des Moines Branch3401 Sw 9th St, Des Moines, IA 50315Directions
- Keo Way Branch1107 Keosauqua Way, Des Moines, IA 50309Directions
- Earlham Branch130 N Chestnut Ave, Earlham, IA 50072Directions
- Granger Branch1705 Burr Oak Blvd, Granger, IA 50109Directions
- Van Meter Branch475 Mill Street, Van Meter, IA 50261Directions
- Woodward Branch217 S Main St, Woodward, IA 50276Directions
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 | 9.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.91% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.06% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio9.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.91%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.06%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ 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 Earlham Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.