Bank · FDIC insured
Iowa State Bank
A $480.5M bank headquartered in Des Moines, IA, with 5 branches in Iowa. Best rates: CDs 3.95% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—3.95%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Iowa State Bank
- Headquarters
- 627 E Locust St, Des Moines, IA 50309
- FDIC certificate
- 15808 ↗
Branches
5 branches in Iowa
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Iowa
5 branches
Des Moines area · 3
- Iowa State BankMain office627 E Locust St, Des Moines, IA 50309Directions
- Hubbell Avenue Branch3818 Hubbell Ave, Des Moines, IA 50317Directions
- Ninth Street Branch6410 Sw 9th St, Des Moines, IA 50315Directions
Urbandale area · 1
- Hickman Office2301 128th St, Urbandale, IA 50323Directions
West Des Moines area · 1
- West Des Moines Branch3601 Ep True Pkwy, West Des Moines, IA 50265Directions
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 | 15.92% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.76% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio15.92%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.76%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ 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 Iowa State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.