Exchange State Bank Ames, IA Rates and Review February 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.
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Exchange State Bank Ames, IA's 6-Month Certificate of Deposit rates are at 3.65%, 9-Month Certificate of Deposit rates are at 3.55%, 18-Month Certificate of Deposit rates are at 3.25%, 24-Month Certificate of Deposit rates are at 2.50%, 18-Month Certificate of Deposit rates are at 2.00%. Exchange State Bank Ames, IA's savings rates are at 0.15%. Exchange State Bank Ames, IA's money market rates are at 0.50%.
Rate Updates and AvailabilityExchange 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. Exchange State Bank Ames, IA Texas RatioExchange State Bank Ames, IA's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Exchange State Bank Ames, IA is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Exchange State Bank Ames, IA has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Exchange State Bank Ames, IA is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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
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 & OverviewExchange State Bank Ames, IA
823 Wheeler StAmes, IA 50010 Story Established Date: 01/01/1902 FDIC Certificate #: 10132 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: MID AMERICA BANKS INC How Many Domestic U.S. Offices? 3 How Many Branches are There? 3 Website: https://www.esb1.com
Is Exchange State Bank Ames, IA FDIC Insured? Yes
What is Exchange State Bank Ames, IA's Cert number? 10132
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$134,151,000
Total Deposits:
$108,747,000
Equity Capital:
$12,991,000
Net Income:
$586,000
Return on Assets (ROA):
1.9377%
Return on Equity (ROE):
21.5900%
Headquarters:
Ames
Regulator:
FDIC
# of Offices:
3
Source: FDIC | Last Updated 03/31/2024
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Frequently Asked Questions About Exchange State Bank Ames, IAHow do I open an account at Exchange State Bank Ames, IA?You can typically open an account at Exchange State Bank Ames, IA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Exchange State Bank Ames, IA provides a range of mortgage and home equity products. Is Exchange State Bank Ames, IA a safe place to deposit money?Yes, Exchange State Bank Ames, IA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Exchange State Bank Ames, IA offer online and mobile banking?Most modern institutions like Exchange State Bank Ames, IA provide digital access including online balance checks and transfers. Compare to other Banks |
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