Liberty Trust & Savings Bank vs Exchange State Bank
Comparing a Bank in Durant, IA with a Bank in Ames, IA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Liberty Trust & Savings Bank ↗ Bank · Durant, IA · Est. 1905 | Exchange State Bank ↗ Bank · Ames, IA · Est. 1902 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Durant, IA | Ames, IA |
| Total assets | $182.9M | $146.4M |
| Capital ratio | 18.8% | 10.3% |
| Return on assets | 1.6% | 2.0% |
| Deposits | $147.5M | $117.6M |
| Branches | 3 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 226 | #5 of 226 |
| Established | 1905 | 1902 |
Liberty Trust & Savings Bank
- Assets: $182.9M
- Deposits: $147.5M
- Capital ratio: 18.8%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #3 of 226
Exchange State Bank
- Assets: $146.4M
- Deposits: $117.6M
- Capital ratio: 10.3%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #5 of 226
Are both institutions federally insured?
Yes. Liberty Trust & Savings Bank is FDIC-insured and Exchange State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Liberty Trust & Savings Bank or Exchange State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Liberty Trust & Savings Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Liberty Trust & Savings Bank safe?
Yes — Liberty Trust & Savings Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Exchange State Bank safe?
Yes — Exchange State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Liberty Trust & Savings Bank vs Exchange State Bank?
Liberty Trust & Savings Bank has a capital ratio of 18.8%, placing it in the top 4% of $100M–1B peers. Exchange State Bank's ratio is 10.3%, placing it in the top 47% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Liberty Trust & Savings Bank have compared to Exchange State Bank?
The CFPB database shows 0 complaints against Liberty Trust & Savings Bank, and 0 complaints against Exchange State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Liberty Trust & Savings Bank with other Banks in Iowa
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
