Bank · FDIC insured
Iowa Trust
A $522M bank headquartered in Emmetsburg, IA, with 4 branches in Iowa. Best rates: savings 3.70% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings973.70%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Iowa Trust
Founded in 1929 in Emmetsburg, Iowa, Iowa Trust & Savings Bank provides personal and business banking services.
The bank operates four branch locations across Iowa in Emmetsburg, Panora, Clive, and Sac City.
- Headquarters
- 2101 10th St, Emmetsburg, IA 50536
- FDIC certificate
- 18400 ↗
Branches
4 branches in Iowa
Loading map…
Iowa
4 branches
Des Moines area · 2
- Clive Branch15591 Hickman Road, Clive, IA 50325Directions
- Panora Branch120 E Main St, Panora, IA 50216Directions
Emmetsburg area · 1
- Iowa Trust & Savings BankMain office2101 10th St, Emmetsburg, IA 50536Directions
Sac City area · 1
- Sac City Branch1610 West Main Street, Sac City, IA 50583Directions
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 | 10.82% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.79% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.75% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio10.82%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.79%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.75%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ 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 Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.