The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 11 points (77 → 66), mostly because the earnings component weakened by 23 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Iowa

Yes. Earlham Savings Bank is an FDIC-insured institution (FDIC certificate #5796). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($60.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.53%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.05% (benchmark: 10%).

Check how much of your own balance is covered

Earlham Savings Bank lists 9 offices in 8 cities. Most locations:

• Des Moines, IA (2)
• Bevington, IA (1)
• De Soto, IA (1)
• Earlham, IA (1)
• Granger, IA (1)
• Van Meter, IA (1)
• West Des Moines, IA (1)
• Woodward, IA (1)

All branch addresses and map

In 2025, Earlham Savings Bank reported 82 home-loan applications under HMDA (LEI 5493006D5TDDSA5NA741): 63 originated ($15,275,000 total), 10 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Earlham Savings Bank

Type

State-chartered bank

FDIC certificate #

5796

RSSD ID

645540

Primary regulator

FDIC

Established

January 1, 1931

Headquarters

7300 Lake Dr, West Des Moines, IA 50266

Website

www.earlhambank.com

Employees

60