Bank · FDIC insured
Twin Cedars Bank
A $118.3M bank headquartered in Bussey, IA, with 4 branches in Iowa. Best rates: CDs 4.00% 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: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.00%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Twin Cedars Bank
- Headquarters
- 402 Merrill St, Bussey, IA 50044
- FDIC certificate
- 1556 ↗
Branches
4 branches in Iowa
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Iowa
4 branches
Bussey area · 1
- Twin Cedars BankMain office402 Merrill St, Bussey, IA 50044Directions
Des Moines area · 1
- Des Moines Branch2222 Grand Avenue, Des Moines, IA 50312Directions
Lovilia area · 1
- Lovilia Branch1609 South East Avenue, Lovilia, IA 50150Directions
Oskaloosa area · 1
- Oskaloosa Branch201 Cornerstone Dr, Oskaloosa, IA 52577Directions
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 | 9.19% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 4.61% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -2.34% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio9.19%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent4.61%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-2.34%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ 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 Twin Cedars Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.