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OBT Ohnward Bank & Trust

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OBT Ohnward Bank & Trust Rates & Review March 2026

Item: OBT Ohnward Bank & Trust
Rating: 1
Author: Kenneth

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare OBT Ohnward Bank & Trust rates to other rates in our database, including 12-month CD rates currently at 1.40%, 6-month CD rates at 2.25% and 3-month CD rates at 0.35%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.08%. All these rates can be compared to OBT Ohnward Bank & Trust rates. MonitorBankRates evaluates the financial stability of OBT Ohnward Bank & Trust with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/29/2026.

OBT Ohnward Bank & Trust 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 OBT Ohnward Bank & Trust? Share your experience about OBT Ohnward Bank & Trust by leaving a review below, or read customer reviews before you decide to use OBT Ohnward Bank & Trust.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

OBT Ohnward Bank & Trust

332 1st Ave W
Cascade, IA 52033

https://www.ohnwardbank.bank

Current Rate Availability

We do not have OBT Ohnward Bank & Trust rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for OBT Ohnward Bank & Trust 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 OBT Ohnward Bank & Trust 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 OBT Ohnward Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name OBT Ohnward Bank & Trust

Bank Holding Company OHNWARD BANCSHARES INC

Address 332 1st Ave W, Cascade, IA 52033 · Dubuque

Website https://www.ohnwardbank.bank

FDIC Certificate # 10111

Established 02/28/1903

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

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) 1.0542%

Return on Equity (ROE) 9.5400%

Non-Performing Loans (NPL) 0.00%

Total Assets $481,985,000

Total Deposits $403,770,000

Equity Capital $58,143,000

Net Income $5,667,000

Headquarters Cascade

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

Kenneth

★☆☆☆☆

July 31, 2025

It\'s a shame that Ohward Bank does not have their interest rates online. I do not have the time to call in for personal service, navigate the phone menu, have them interpret what I\'m looking for, and have them try to sell me on what products they have. I want to just scan a CD/Savings rate column and quickly go from there. I have taken them off of my list of Savings banks back in the 90\'s. Corporate needed to get with the technology program decades ago.

Average Rating

★☆☆☆☆

Total Reviews

Add Your Rating and Review for OBT Ohnward Bank & Trust

Frequently Asked Questions About OBT Ohnward Bank & Trust

Is OBT Ohnward Bank & Trust a safe place to deposit money?

Yes, OBT Ohnward Bank & Trust 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 OBT Ohnward Bank & Trust operate?

OBT Ohnward Bank & Trust currently maintains approximately 6 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, OBT Ohnward Bank & Trust 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, OBT Ohnward Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does OBT Ohnward Bank & Trust offer online and mobile banking?

Most modern institutions like OBT Ohnward Bank & Trust 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.ohnwardbank.bank.