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Advertiser Disclosure
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 Exchange State Bank Ames, IA Rates & Review March 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: March 26, 2026
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%. MonitorBankRates evaluates the financial stability of Exchange State Bank Ames, IA with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/26/2026. 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. 
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 & Overview
Institution Name
Exchange State Bank Ames, IA
Bank Holding Company
MID AMERICA BANKS INC
Address
823 Wheeler St,
Ames, IA 50010 · Story
Website
https://www.esb1.com
FDIC Certificate #
10132
Established
01/01/1902
FDIC Insurance Date
01/01/1934
Domestic Offices
3
Total Branches
3
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.9377%
Return on Equity (ROE)
21.5900%
Non-Performing Loans (NPL)
0.00%
Total Assets
$146,278,000
Total Deposits
$115,847,000
Equity Capital
$14,479,000
Net Income
$2,686,000
Headquarters
Ames
Total Offices
3
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Exchange State Bank Ames, IAIs 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 (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Current Exchange State Bank Ames, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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