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Iowa Trust & SB Emmetsburg, IA Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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 5, 2026

Iowa Trust & SB Emmetsburg, IA's savings rates are at 3.85%. Iowa Trust & SB Emmetsburg, IA's Adjustable-Rate Mortgage (ARM) - 5/6 ARM rates are at 6.50%, Veterans Affairs (VA) Fixed Rate Mortgage rates are at 6.50%. Iowa Trust & SB Emmetsburg, IA's savings rates are 89% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Iowa Trust & SB Emmetsburg, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.69%. Rates last updated and verified on 11/05/2026.

Iowa Trust & SB Emmetsburg, 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 Iowa Trust & SB Emmetsburg, IA? Share your experience about Iowa Trust & SB Emmetsburg, IA by leaving a review below, or read customer reviews before you decide to use Iowa Trust & SB Emmetsburg, IA.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.69%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Iowa Trust & SB Emmetsburg, IA
2101 10th St
Emmetsburg, IA 50536
https://www.iowatrustbank.com
MemberFDIC
Customer Reviews
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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.

Iowa Trust & SB Emmetsburg, IA Savings Rates

Product Rate APY View More
High Yield Savings Account - 3.85%
Min Balance $100
Details APY effective as of 10/26/2026; no minimum balance to obtain APY; $100 minimum balance required to open account; variable rate; interest compounded and credited monthly
Last Updated 11/05/2026
Rate History
1 change since Oct 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Oct 14, 2026: 3.70% APYOct 26, 2026: 3.85% APYOct 14, 2026Nov 9, 2026
  • Oct 26, 20263.85%▲ from 3.70%
  • Oct 14, 20263.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.69%

Iowa Trust & SB Emmetsburg, IA Mortgage Rates

Product Rate Points APR Term View More
Adjustable-Rate Mortgage (ARM) - 5/6 ARM 6.50% - 6.555%
Details Payment example $1,896.20 based on $300,000 loan amount; Rates based on 780 credit score, 75% loan to value, 30-day rate lock; Initial fixed period then variable rate
Last Updated 11/05/2026
Rate History
1 change since Oct 26, 2026 · 5.93% → 6.56% ▲ 0.63 pts · high 6.56% / low 5.93%
5.30%6.24%7.18%Oct 26, 2026: 5.93% APROct 31, 2026: 6.56% APROct 26, 2026Nov 9, 2026
  • Oct 31, 20266.56%▲ from 5.93%
  • Oct 26, 20265.93%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.69%
Veterans Affairs (VA) Fixed Rate Mortgage 6.50% - 6.555% 30 years
Details Payment example based on $300,000 loan amount: $1,896.20
Last Updated 11/05/2026
Rate History
No change since Oct 31, 2026 · 6.56% APR · checked 2 times
6.06%6.56%7.06%Oct 31, 2026: 6.56% APROct 31, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.69%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Iowa Trust & SB Emmetsburg, IA’s Texas Ratio fell from 6.30% in Q3 2023 to 5.69% 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.30% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 5.69% A+ Q2 2026
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)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$522M5.69%5.0A+
March 31, 2026$518M2.41%5.0A+
December 31, 2025$523M2.90%5.0A+
September 30, 2025$524M5.72%5.0A+
June 30, 2025$528M4.60%5.0A+
March 31, 2025$543M7.29%5.0A
December 31, 2024$542M6.92%5.0A
September 30, 2024$555M7.34%5.0A
June 30, 2024$540M7.43%5.0A
March 31, 2024$556M9.42%5.0A
December 31, 2023$546M6.64%5.0A
September 30, 2023$488M6.30%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Iowa Trust & SB Emmetsburg, 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 Iowa Trust & SB Emmetsburg, 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 Iowa Trust & SB Emmetsburg, IA's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Iowa Trust & SB Emmetsburg, IA
Website https://www.iowatrustbank.com
Address 2101 10th St, Emmetsburg, IA 50536  ·  Palo Alto
Bank Holding Company EMMETSBURG BANK SHARES INC
FDIC Certificate # 18400
Regulator FDIC
Established July 1, 1929
FDIC Insurance Date June 7, 1961
Domestic Offices 4
Total Branches 4
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.69%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7508%
Return on Equity (ROE)
6.6100%
Non-Performing Loans Ratio (NPL)
0.57%
Total Assets
$521,983,000
Total Deposits
$396,416,000
Equity Capital
$59,626,000
Net Income
$1,956,000
Headquarters
Emmetsburg
Total Branches and Offices
4
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Iowa Trust & SB Emmetsburg, IA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/iowa-trust-and-savings-bank-rates-review-18400">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Iowa Trust & SB Emmetsburg, IA

What is the highest savings rate at Iowa Trust & SB Emmetsburg, IA?

The highest Iowa Trust & SB Emmetsburg, IA savings rate is its High Yield Savings Account at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest mortgage rate at Iowa Trust & SB Emmetsburg, IA?

The lowest Iowa Trust & SB Emmetsburg, IA mortgage rate is its Adjustable-Rate Mortgage (ARM) - 5/6 ARM at 6.50%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Iowa Trust & SB Emmetsburg, IA operate?

Iowa Trust & SB Emmetsburg, IA currently maintains approximately 4 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, Iowa Trust & SB Emmetsburg, 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, Iowa Trust & SB Emmetsburg, IA provides members with tools to manage their accounts and build a solid financial history.

Does Iowa Trust & SB Emmetsburg, IA offer online and mobile banking?

Most modern institutions like Iowa Trust & SB Emmetsburg, 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.iowatrustbank.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 Iowa Trust & SB Emmetsburg, IA rates compare?

Iowa Trust & SB Emmetsburg, IA's savings rates are 89% higher than the MonitorBankRates national average, and it has an A+ health rating. Iowa Trust & SB Emmetsburg, IA's top rates are its High Yield Savings Account at 3.85% APY and its Adjustable-Rate Mortgage (ARM) - 5/6 ARM at 6.50%, verified by MonitorBankRates on November 5, 2026.

Current Iowa Trust & SB Emmetsburg, IA Rates

  • Savings3.85%
Retrieved from our database of financial products. Rates subject to change.

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