Earlham Savings Bank
West Des Moines, IA
IDRSSD: 645540
Total Assets
$377.78M
Latest filing
Total Deposits
$341.44M
Latest filing
Net Interest Margin
3.68%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Earlham Savings Bank
7300 Lake Dr
West Des Moines, IA 50266
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1931FDIC Certificate 3957
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Earlham Savings Bank (Main) | 7300 Lake Dr | West Des Moines, IA |
| DES MOINES BRANCH | 3401 Sw 9th St | Des Moines, IA |
| DE SOTO BRANCH | Guthrie Street | De Soto, IA |
| EARLHAM BRANCH | 130 N Chestnut Ave | Earlham, IA |
| KEO WAY BRANCH | 1107 Keosauqua Way | Des Moines, IA |
| GRANGER BRANCH | 1705 Burr Oak Blvd | Granger, IA |
| WOODWARD BRANCH | 217 S Main St | Woodward, IA |
| VAN METER BRANCH | 475 Mill Street | Van Meter, IA |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50266 |
| State and County Number | 19049 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Des Moines-West Des Moines, IA |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.earlhambank.com |
| Data Updated | 01/30/2026 |
| CERT | 5796 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $377.78M |
| Total Deposits | $341.44M |
| Total Liabilities | $342.74M |
| Total Equity Capital | $35.04M |
| Net Income | $-473,000 |
| Net Loans and Leases | $224.72M |
| Assets Per Employee ($Millions) | $6.4M |
| Bank Premises and Fixed Assets | $6.43M |
| Cash and Balances due from Depository Institutions | $90.22M |
| Deposits Held in Domestic Offices | $341.44M |
Key Performance Ratios
| Return on Assets (ROA) | -0.51% |
| Return on Equity (ROE) | -5.36% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 71.08% |
| Tier 1 Risk-Based Capital Ratio | 16.35% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.276% |
| Earning Assets to total Assets | 95.94% |
Income and Expense
| Total Interest Income | $4.75M |
| Total Noninterest Income | $695.00k |
| Total Interest Expense | $1.46M |
| Total Noninterest Expense | $2.83M |
| Net Interest Income | $3.29M |
| Pre-tax Net Operating Income | $153.00k |
| Provision for Credit Losses | $1.00M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.30M |
| Total Liabilities and Capital | $377.78M |
Securities
| Securities | $52.71M |
| Available-for-sale debt securities | $52.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Earlham Savings Bank?
$377.78M as of the latest filing.
How much are Earlham Savings Bank's total deposits?
$341.44M in total deposits.
Where is Earlham Savings Bank located?
West Des Moines, IA.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1931.
What is the Return on Assets (ROA)?
-0.51%.
How much are total loans and leases?
$224.72M (latest filing).
What is the total interest income (latest filing)?
$4.75M.