☰

Home›
Banks›
ESB Exchange State Bank

iAdvertiser Disclosure

ESB Exchange State Bank Rates & Review May 2026

Q: How many branches does ESB Exchange State Bank operate?

ESB Exchange State Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ESB Exchange State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 13, 2026

You can compare ESB Exchange State Bank rates to other rates in our database, including 12-month CD rates currently at 2.05%, 6-month CD rates at 3.50% and 3-month CD rates at 0.65%. Savings rates are at 0.10% and money market rates are at 1.55%. Mortgage rates on 30-year fixed loans are around 5.75%. All these rates can be compared to ESB Exchange State Bank rates. MonitorBankRates evaluates the financial stability of ESB Exchange State Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/13/2026.

ESB Exchange State Bank 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 ESB Exchange State Bank? Share your experience about ESB Exchange State Bank by leaving a review below, or read customer reviews before you decide to use ESB Exchange State Bank.

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

ESB Exchange State Bank

253 Broadway St
Springville, IA 52336

https://www.exchangestatebank.net

Current Rate Availability

We do not have ESB Exchange State Bank 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 ESB Exchange State Bank 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 ESB Exchange State Bank 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 ESB Exchange State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name ESB Exchange State Bank

Bank Holding Company COUNTRY BCORP

Address 253 Broadway St, Springville, IA 52336 · Linn

Website https://www.exchangestatebank.net

FDIC Certificate # 16094

Established 01/01/1934

FDIC Insurance Date 09/22/1943

Domestic Offices 2

Total Branches 2

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) 0.9188%

Return on Equity (ROE) 15.4000%

Non-Performing Loans (NPL) 0.00%

Total Assets $52,900,000

Total Deposits $48,113,000

Equity Capital $4,528,000

Net Income $371,000

Headquarters Springville

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for ESB Exchange State Bank 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for ESB Exchange State Bank

Frequently Asked Questions About ESB Exchange State Bank

How many branches does ESB Exchange State Bank operate?

ESB Exchange State Bank currently maintains approximately 2 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, ESB Exchange State Bank 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, ESB Exchange State Bank provides members with tools to manage their accounts and build a solid financial history.

Does ESB Exchange State Bank offer online and mobile banking?

Most modern institutions like ESB Exchange State Bank 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.exchangestatebank.net.