|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Exchange State Bank Ames, IA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Exchange State Bank Ames, IA's CD - 48-Month rates are at 4.25%, CD - 6-Month rates are at 4.00%, 12-Month CD rates are at 3.55%, 9-Month CD rates are at 3.55%, CD - 18-Month rates are at 3.25%. Exchange State Bank Ames, IA's savings rates are at 0.20%. Exchange State Bank Ames, IA's money market rates are at 1.00%. Exchange State Bank Ames, IA's checking rates are as high as 0.10%. Exchange State Bank Ames, IA's top CD rate of 4.25% APY on a 4 year CD is 50% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Exchange State Bank Ames, IA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.82%. Rates last updated and verified on 11/06/2026. Exchange State Bank Ames, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Exchange State Bank Ames, IA? Share your experience about Exchange State Bank Ames, IA by leaving a review below, or read customer reviews before you decide to use Exchange State Bank Ames, IA. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Exchange State Bank Ames, IA CD Rates
Exchange State Bank Ames, IA Savings Rates
Exchange State Bank Ames, IA Money Market Rates
Exchange State Bank Ames, IA Checking Rates
Exchange State Bank Ames, IA Other Rates
Financial Health HistoryExchange State Bank Ames, IA’s Texas Ratio rose from 0.00% in Q3 2023 to 7.82% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Exchange State Bank Ames, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Exchange State Bank Ames, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Exchange State Bank Ames, IA's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Exchange State Bank Ames, IA
Website
https://www.esb1.com
Address
823 Wheeler St,
Ames, IA 50010 · Story
Bank Holding Company
MID AMERICA BANKS INC
FDIC Certificate #
10132
Regulator
FDIC
Established
January 1, 1902
FDIC Insurance Date
January 1, 1934
Domestic Offices
3
Total Branches
3
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.82%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.9750%
Return on Equity (ROE)
19.1600%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
$145,975,000
Total Deposits
$117,488,000
Equity Capital
$15,600,000
Net Income
$1,444,000
Headquarters
Ames
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Exchange State Bank Ames, IA yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Exchange State Bank Ames, IA
Frequently Asked Questions About Exchange State Bank Ames, IADoes Exchange State Bank Ames, IA offer CDs?Yes. Exchange State Bank Ames, IA current CD rates include its CD - 48-Month at 4.25% APY, its CD - 6-Month at 4.00% APY and its 12-Month CD at 3.55% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Exchange State Bank Ames, IA FDIC insured?Yes. Exchange State Bank Ames, IA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Exchange State Bank Ames, IA?The highest Exchange State Bank Ames, IA CD rate is its Certificates of Deposit - 48-Month at 4.25% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Exchange State Bank Ames, IA offer?Exchange State Bank Ames, IA CD rates are 4.00% APY for a 6 month CD, 3.55% APY for a 9 month CD, 3.55% APY for a 12 month CD, 3.25% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.00% APY for a 3 year CD, 4.25% APY for a 4 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Exchange State Bank Ames, IA for its full lineup. What is the highest savings rate at Exchange State Bank Ames, IA?The highest Exchange State Bank Ames, IA savings rate is its Safari Savings Club at 0.20% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Exchange State Bank Ames, IA?The highest Exchange State Bank Ames, IA money market rate is its Money Market Account at 1.00% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Exchange State Bank Ames, IA?The highest Exchange State Bank Ames, IA checking rate is its Checking with Interest at 0.10% APY, verified by MonitorBankRates as of November 6, 2026. How many branches does Exchange State Bank Ames, IA operate?Exchange State Bank Ames, IA currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Exchange State Bank Ames, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Exchange State Bank Ames, IA provides members with tools to manage their accounts and build a solid financial history. Does Exchange State Bank Ames, IA offer online and mobile banking?Most modern institutions like Exchange State Bank Ames, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.esb1.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Exchange State Bank Ames, IA rates compare?Exchange State Bank Ames, IA's top CD rate of 4.25% APY on a 4 year CD is 50% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. Exchange State Bank Ames, IA's top rates are its 48-Months Certificates of Deposit - 48-Month at 4.25% APY, its Safari Savings Club at 0.20% APY, its Money Market Account at 1.00% APY and its Checking with Interest at 0.10% APY, verified by MonitorBankRates on November 6, 2026. Current Exchange State Bank Ames, IA Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
National Bank & Trust
Community Bank of Marshall
Journey Bank
Stock Growers Bank
First State Bank Belmond, IA
Simmons Bank
Pilgrim Bank
First Oklahoma Bank
Erebor Bank, N.A.
Citizens Bank of the Midwest
The Bennington State Bank
First Security Bank Union Star, MO
First State Bank Lonoke, AR
Fortifi Bank
Bank of Yates City
Banc of California
First B&T Co. Clinton, OK
Home Bank and Trust Company
Peoples Bank (NC)
First National Bank Damariscotta, ME
First National Bank of Steeleville
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
