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Banks vs Payday Loans in Iowa

1,429 branches of 261 FDIC-insured banks operate in Iowa; 225 of these banks are headquartered in the state. Data: FDIC BankFind, as of June 30, 2026. There are also 34 payday, installment and title loan stores of 4 chains in Iowa — about 42.0 bank branches for every loan store.

Bank branches
1,429
Payday & loan stores
34
Banks with branches
261
Loan store chains
4
Bank branches per 100k
44.7
Loan stores per 100k
1.1
Headquartered in Iowa
225

Payday loan stores by city in Iowa

34 stores in 18 cities and towns across Iowa. Pick a city for the full list of loan stores and bank branches with addresses and phone numbers, or scroll down for the smaller towns.

Iowa has about 3,196,394 residents, so that's 1 loan stores and 45 bank branches per 100,000 people. Population: U.S. Census Bureau, American Community Survey.

Payday and installment loan stores in Iowa

Storefront lenders with locations in Iowa, by number of stores. Most offer payday, installment or title loans, which cost far more than a bank or credit union loan.

Lender Stores in IA Cities Website
OneMain Financial 13 13 onemainfinancial.com
Advance America 11 11 advanceamerica.net
Check Into Cash 9 7 checkintocash.com
Check 'n Go 1 1 checkngo.com

Banks with branches in Iowa

Bank Branches in IA Headquarters Total assets Website
U.S. Bank National Association 56 Cincinnati, OH $705.6B usbank.com
First Interstate Bank 45 Billings, MT $25.8B firstinterstatebank.com
Wells Fargo Bank, National Association 39 Sioux Falls, SD $1.9T wellsfargo.com
United Bank of Iowa 38 Ida Grove, IA $2.5B unitedbk.bank
Nicolet National Bank 37 Green Bay, WI $15.4B nicoletbank.com
Fidelity Bank & Trust 33 Dubuque, IA $2.6B bankfidelity.com; www.bankfidelity.bank
Bank Iowa 25 West Des Moines, IA $2.3B bankiowa.bank
BMO Bank National Association 21 Chicago, IL $255.0B bmo.com
Hills Bank and Trust Company 21 Hills, IA $4.8B hillsbank.com
Great Southern Bank 20 Reeds Spring, MO $5.5B greatsouthernbank.com
Northwest Bank 20 Spencer, IA $3.0B nw.bank
Central Bank 17 Storm Lake, IA $2.3B mycentral.bank
Pilot Grove Savings Bank 17 Pilot Grove, IA $1.2B pilotgrovesavingsbank.com
Bankers Trust Company 16 Des Moines, IA $7.8B bankerstrust.com
Lincoln Savings Bank 16 Reinbeck, IA $1.7B mylsb.com
Availa Bank 15 Carroll, IA $1.7B availa.bank
First Mid Bank & Trust, National Association 14 Mattoon, IL $9.1B firstmid.com
Iowa State Bank 14 Hull, IA $1.3B iowastate.bank
CBI Bank & Trust 13 Muscatine, IA $1.7B cbibt.bank
VISIONBANK OF IOWA 13 Ames, IA $896.1M visionbank.com
BankIowa 13 Cedar Rapids, IA $846.2M bankiowa.com
JPMorgan Chase Bank, National Association 12 Columbus, OH $4.1T jpmorganchase.com
Midwest Heritage Bank, FSB 12 West Des Moines, IA $768.3M midwestheritage.com
Community Savings Bank 12 Edgewood, IA $613.6M communitysavings.bank
First State Bank 11 Webster City, IA $674.3M fsbwc.com
The Shelby County State Bank 11 Harlan, IA $523.6M scsbnet.com
Community State Bank 10 Ankeny, IA $1.7B bankcsb.com
The Security National Bank of Sioux City, Iowa 10 Sioux City, IA $1.7B snbonline.com
American State Bank 10 Sioux Center, IA $1.4B ambankiowa.com
First National Bank, Ames, Iowa 10 Ames, IA $1.1B fnbames.com
Midstates Bank, National Association 10 Council Bluffs, IA $653.9M midstatesbank.com
GNB Bank 10 Grundy Center, IA $621.3M gnbbank.com
Cedar Rapids Bank and Trust Company 9 Cedar Rapids, IA $2.9B crbt.bank
Farmers State Bank 9 Marion, IA $1.1B myfsbonline.com
City State Bank 9 Norwalk, IA $787.9M citystatebank.com
Green Belt Bank & Trust 9 Iowa Falls, IA $758.7M greenbeltbank.com
Rolling Hills Bank & Trust 9 Atlantic, IA $484.4M rollinghillsbank.com
The Clinton National Bank 9 Clinton, IA $396.4M clintonnational.com
Earlham Savings Bank 9 West Des Moines, IA $382.5M earlhambank.com
UMB Bank, National Association 8 Kansas City, MO $71.9B umb.com
West Bank 8 West Des Moines, IA $4.0B westbankstrong.com
Farmers State Bank 8 Waterloo, IA $1.6B fsb1879.com
Peoples Bank 8 Rock Valley, IA $1.3B peoples-ebank.com
First Bank 8 Waverly, IA $739.9M firstiowa.bank
Peoples Savings Bank 8 Indianola, IA $610.4M mybankpsb.com
Citizens State Bank 8 Monticello, IA $594.4M mycsb.bank
First Security Bank and Trust Company 8 Charles City, IA $538.2M 1stsecurity.bank
Peoples Bank 8 Clive, IA $529.6M mypeoples.bank
TruBank 8 Indianola, IA $494.6M trubank.bank
First Trust and Savings Bank 8 Wheatland, IA $320.6M firsttrust.bank
Farmers State Bank 8 Northwood, IA $221.4M fsbbanks.com
Security Savings Bank 8 Gowrie, IA $193.7M securitysavingsbank.com
CUSB Bank 7 Cresco, IA $812.1M cusb.bank
Northeast Security Bank 7 Sumner, IA $461.9M banknsb.com
TS Bank 7 Treynor, IA $432.7M tsbank.com
Central State Bank 7 Coralville, IA $419.3M centralstate.bank
First State Bank 7 Lynnville, IA $384.2M fsbankia.com
Community State Bank 7 Spencer, IA $345.8M ecommunitybank.org
PCSB Bank 7 Clarinda, IA $326.1M wearepcsb.com
Farmers Savings Bank 7 Colesburg, IA $299.1M farmerssavingsbank.com
BANK 7 Wapello, IA $217.4M bank.bank
Community Bank 7 Dunlap, IA $138.3M communitybankiowa.com
Associated Bank, National Association 6 Green Bay, WI $51.8B associatedbank.com
Luana Savings Bank 6 Luana, IA $2.3B luanasavingsbank.com
First Citizens Bank 6 Mason City, IA $1.8B myfcb.bank
First Central State Bank 6 Dewitt, IA $772.4M firstcentralsb.bank
South Story Bank & Trust 6 Slater, IA $623.9M southstorybank.com
South Ottumwa Savings Bank 6 Ottumwa, IA $565.4M sosb-ia.com
Ohnward Bank & Trust 6 Cascade, IA $499.1M ohnwardbank.bank
NSB Bank 6 Mason City, IA $460.8M nsbbank.com
First Iowa State Bank 6 Albia, IA $396.1M 1stiowa.bank
The Libertyville Savings Bank 6 Fairfield, IA $384.1M lsbia.bank
Kerndt Brothers Savings Bank 6 Lansing, IA $347.2M kerndtbrothers.com
West Iowa Bank 6 West Bend, IA $222.1M westiowabank.com
Blackhawk Bank & Trust 5 Milan, IL $2.0B choosethechief.com
Clear Lake Bank and Trust Company 5 Clear Lake, IA $649.3M clearlakebank.bank
Marion County State Bank 5 Pella, IA $628.6M marioncountybank.com
Farmers & Merchants Savings Bank 5 Manchester, IA $616.8M fmbankia.com
Washington State Bank 5 Washington, IA $601.1M washsb.com
Connection Bank 5 Fort Madison, IA $540.9M myconnectionbank.com
Security State Bank 5 Sutherland, IA $492.3M mysecuritystate.com
Iowa State Bank 5 Des Moines, IA $480.5M iowastatebanks.com
Iowa State Bank 5 Algona, IA $470.7M bankisb.com
Community Bank and Trust Company 5 Muscatine, IA $303.5M commbk.net
United Community Bank 5 Milford, IA $290.0M unitedcommunitybank.com
FNB Bank 5 Fontanelle, IA $274.6M fnbfontanelle.com
Farmers and Merchants State Bank 5 Winterset, IA $271.7M fmstate.bank
Mediapolis Savings Bank 5 Mediapolis, IA $269.9M gomsb.bank
Westside State Bank 5 Westside, IA $268.7M westsidestate.bank
Heartland Bank 5 Somers, IA $256.1M heartlandbanks.bank
State Savings Bank 5 Bedford, IA $207.2M statesavings.bank
Houghton State Bank 5 Red Oak, IA $204.8M houghtonstatebank.com
Keystone Savings Bank 5 Marengo, IA $200.8M keystonesavings.bank
Chelsea Savings Bank 5 Belle Plaine, IA $196.9M chelseasavingsbank.com
Bank of America, National Association 4 Charlotte, NC $2.7T bankofamerica.com
Regions Bank 4 Birmingham, AL $159.8B regions.com
Heartland Bank and Trust Company 4 Bloomington, IL $6.7B hbtbank.com
Quad City Bank and Trust Company 4 Bettendorf, IA $2.8B qcbt.com
Bank Midwest 4 Spirit Lake, IA $1.3B bankmidwest.com
Peoples State Bank 4 Prairie Du Chien, WI $993.0M peoplesfinancial.com
Primebank 4 Le Mars, IA $800.6M primebank.bank
Liberty National Bank 4 Sioux City, IA $624.4M libertynational.bank
Iowa Trust & Savings Bank 4 Emmetsburg, IA $522.0M iowatrustbank.com
Grinnell State Bank 4 Grinnell, IA $498.6M grinnell.bank
Raccoon Valley Bank 4 Perry, IA $486.0M raccoonvalleybank.com
GreatAmerica Bank National Association 4 Cedar Rapids, IA $450.0M greatamericabank.com
FreedomBank 4 Elkader, IA $433.9M freedombnk.com
Maquoketa State Bank 4 Maquoketa, IA $429.0M maquoketasb.bank
Waukon State Bank 4 Waukon, IA $426.9M waukonstatebank.bank
Farmers Trust and Savings Bank 4 Buffalo Center, IA $422.7M ftsbbank.bank
American State Bank 4 Osceola, IA $360.8M americanstatebank.com
Glenwood State Bank 4 Glenwood, IA $352.9M glenwoodstatebank.com
Leighton State Bank 4 Pella, IA $298.2M leightonbank.com
United Bank and Trust Company 4 Hampton, IA $228.4M ubtc.net
Charter Bank 4 Johnston, IA $227.5M charterbanker.com
Farmers & Merchants Bank & Trust 4 Burlington, IA $208.2M fmbanktrust.bank
Union State Bank 4 Greenfield, IA $168.7M usbgfd.com
Federation Bank 4 Washington, IA $155.8M federationbankia.com
Bank Plus 4 Estherville, IA $144.6M bankplusiowa.com
Citizens State Bank 4 Wyoming, IA $137.7M csbwyoming.com
First State Bank 4 Stuart, IA $129.7M stuartbank.com
Farmers and Merchants Savings Bank 4 Iowa City, IA $122.5M fmbankonline.com
Security State Bank 4 Radcliffe, IA $119.0M ssbiowa.com
Twin Cedars Bank 4 Bussey, IA $118.3M twincedars.bank
First Community Bank 4 Newell, IA $115.7M fcb4u.com
Security State Bank 4 Algona, IA $109.8M bankssb.com
State Central Bank 4 Bonaparte, IA $63.2M statecentralbank.com
First National Bank of Omaha 3 Omaha, NE $34.2B fnbo.com
BankFirst 3 Norfolk, NE $1.2B mybankfirst.bank
Premier Bank 3 Rock Valley, IA $826.5M premierbank.bank
Decorah Bank & Trust Company 3 Decorah, IA $794.1M decorah.bank
Manufacturers Bank & Trust Company 3 Forest City, IA $738.2M mbtbank.bank
Arbor Bank 3 Nebraska City, NE $701.7M arborbanking.com
Farmers Bank of Northern Missouri 3 Unionville, MO $566.5M onlinefarmersbank.com
Central State Bank 3 State Center, IA $557.8M centralstatebankia.com
Security Savings Bank 3 Canton, SD $557.4M bankwithssb.com
American Bank and Trust Company, National Association 3 Davenport, IA $480.9M goambank.com
Iowa State Bank 3 Clarksville, IA $392.9M iowastatebank.com
Citizens First Bank 3 Clinton, IA $361.3M gocfb.bank
Premier Bank 3 Dubuque, IA $357.7M premierbanking.com
Iowa State Bank and Trust Company of Fairfield, Iowa 3 Fairfield, IA $352.1M myiowastatebank.com
Frontier Bank 3 Sioux Falls, SD $349.2M frontierbank.com
Savings Bank 3 Primghar, IA $304.8M savingsbankia.com
Crawford County Trust and Savings Bank 3 Denison, IA $294.5M crawfordcountybank.com
Fairfax State Savings Bank 3 Fairfax, IA $287.0M thebankhere.com
Pioneer Bank 3 Sergeant Bluff, IA $282.8M pioneerbanks.com
Success Bank 3 Bloomfield, IA $277.1M success.bank
Iowa State Savings Bank 3 Creston, IA $276.5M issbbank.com
Security Trust & Savings Bank 3 Storm Lake, IA $266.4M securitybanksl.com
The Citizens First National Bank of Storm Lake 3 Storm Lake, IA $256.5M citizensfnb.com
WCF Financial Bank 3 Webster City, IA $224.4M wcfbank.com
Farmers Savings Bank 3 Fostoria, IA $215.3M fsbmy.bank
Iowa State Bank 3 Sac City, IA $213.3M myisb.bank
Fidelity Bank 3 Savanna, IL $198.6M fidelity-bank.com
Peoples Savings Bank 3 Wellsburg, IA $189.1M bankpsb.com
Liberty Trust & Savings Bank 3 Durant, IA $186.2M mylibertytrust.com
Bank 1st 3 West Union, IA $166.1M bank1stia.com
Hiawatha Bank and Trust Company 3 Hiawatha, IA $156.9M hiawathabank.com
Citizens Savings Bank 3 Spillville, IA $151.1M bankingwithcsb.com
Farmers State Bank 3 Algona, IA $150.5M fsbiowa.com
Farmers Trust & Savings Bank 3 Earling, IA $148.1M ftnsbank.net
Exchange State Bank 3 Ames, IA $146.0M esb1.com
Bridge Community Bank 3 Mount Vernon, IA $141.1M bridge.bank
Farmers Savings Bank 3 Marshalltown, IA $140.3M fsb-iowa.com
Union State Bank 3 Winterset, IA $136.5M usbiowa.com
Farmers Savings Bank 3 Wever, IA $130.5M fsbwever.com
Solon State Bank 3 Solon, IA $122.5M solonstatebank.com
White State Bank 3 South English, IA $109.0M whitestatebank.com
Maynard Savings Bank 3 Maynard, IA $108.4M maynardsavingsbank.com
Tri-Valley Bank 3 Randolph, IA $82.8M tri-valleycenters.com
Citizens Savings Bank 3 Marshalltown, IA $77.9M citizenssavingsbank.com
State Bank 3 Spencer, IA $74.9M statebankspencer.com
Old National Bank 2 Evansville, IN $73.9B oldnational.com
TBK BANK, SSB 2 Dallas, TX $7.4B tbkbank.com
Security National Bank of Omaha 2 Omaha, NE $1.9B securitynational.bank
Capra Bank 2 Dubuque, IA $1.3B caprabank.com
Time Bank 2 Park Ridge, IL $712.8M time.bank
American Bank, National Association 2 Le Mars, IA $533.0M am-bank.com
Home State Bank 2 Jefferson, IA $480.7M hsbankiowa.com
Hardin County Savings Bank 2 Eldora, IA $402.3M hardincsb.com
Commercial Savings Bank 2 Carroll, IA $348.8M csbcarroll.com
State Savings Bank 2 West Des Moines, IA $291.9M ssb.bank
First Whitney Bank and Trust 2 Atlantic, IA $287.5M firstwhitneybank.com
Guthrie County State Bank 2 Panora, IA $279.2M gcsbank.com
DeWitt Bank & Trust Co. 2 Dewitt, IA $277.3M dewittbank.com
Reliance State Bank 2 Story City, IA $276.8M rsbiowa.com
Cherokee State Bank 2 Cherokee, IA $271.1M cherokeestatebank.com
Freedom Financial Bank 2 West Des Moines, IA $269.3M freedomfinancialbank.com
Denver Savings Bank 2 Denver, IA $250.6M bankdsb.com
First Bank Hampton 2 Hampton, IA $240.9M fbh.bank
Blue Grass Savings Bank 2 Blue Grass, IA $225.5M bluegrassbank.com
Farmers Savings Bank & Trust 2 Traer, IA $212.7M fsb-traer.com
Iowa Trust and Savings Bank 2 Centerville, IA $210.6M iowatrust.bank
Iowa Falls State Bank 2 Iowa Falls, IA $201.5M ifsbank.com
Citizens State Bank 2 Sheldon, IA $194.7M csbsheldon.com
Farmers Trust & Savings Bank 2 Williamsburg, IA $191.6M ftsbia.com
Danville State Savings Bank 2 New London, IA $182.6M danvillebank.com
St. Ansgar State Bank 2 Saint Ansgar, IA $182.0M stansgarbank.com
Templeton Savings Bank 2 Templeton, IA $169.6M templetonsavingsbank.com
Citizens Savings Bank 2 Anamosa, IA $165.9M citizensbankia.com
Boone Bank & Trust Co. 2 Boone, IA $156.9M boonebankiowa.com
Readlyn Savings Bank 2 Readlyn, IA $148.3M readlynsavingsbank.com
The State Bank of Toledo 2 Toledo, IA $134.6M banktoledo.com
Cedar Valley Bank & Trust 2 La Porte City, IA $126.3M cedarvalleybank.com
First State Bank 2 Britt, IA $125.9M fsb-britt.com
Pocahontas State Bank 2 Pocahontas, IA $122.6M pocahontasstatebank.net
United Bank & Trust Co. 2 Marshalltown, IA $120.1M bankubt.com
Logan State Bank 2 Logan, IA $92.2M loganstatebank.com
The State Bank 2 Spirit Lake, IA $88.4M statebankspiritlake.com
First Security State Bank 2 Evansdale, IA $87.3M fssbonline.com
Sloan State Bank 2 Sloan, IA $78.9M sloanstatebank.com
First Heritage Bank 2 Shenandoah, IA $72.1M firstheritage.bank
First Security Bank 2 Mapleton, IA $65.2M firstsecuritybanks.com
The Exchange State Bank 2 Springville, IA $52.7M exchangestatebank.net
Defiance State Bank 2 Defiance, IA $42.6M defiancestatebank.com
Principal Bank 1 Des Moines, IA $9.8B principal.com
Alerus Financial, National Association 1 Grand Forks, ND $5.3B alerus.com
BTC Bank 1 Bethany, MO $1.9B btcbank.bank
Fortress Bank 1 Peoria, IL $897.2M bankfortress.com
BankOrion 1 Orion, IL $688.1M bankorion.com
Washington County Bank 1 Blair, NE $662.3M washingtoncountybank.com
Farmers Trust and Savings Bank 1 Spencer, IA $618.0M farmerstrust.bank
Sterling Federal Bank, F.S.B. 1 Sterling, IL $481.6M sterlingfederal.com
First National Bank 1 Oldham, SD $477.8M firstnationalbanks.com
Rivers Edge Bank 1 Marion, SD $357.1M riversedge.bank
F&M Bank 1 West Point, NE $354.6M fmbankne.bank
New Albin Savings Bank 1 New Albin, IA $350.6M newalbinsavingsbank.com
Pinnacle Bank 1 Marshalltown, IA $324.4M bankpinnacle.us
Flanagan State Bank 1 Flanagan, IL $300.3M flanaganstatebank.com
The Home Trust & Savings Bank 1 Osage, IA $287.7M hometrustbank.com
Malvern Bank 1 Malvern, IA $253.2M malvern.bank
State Bank & Trust Co. 1 Nevada, IA $197.6M banksbt.com
Mount Vernon Bank and Trust Company 1 Mount Vernon, IA $195.5M mountvernonbank.com
Bellevue State Bank 1 Bellevue, IA $187.7M bellevuestatebank.com
Atkins Savings Bank & Trust 1 Atkins, IA $172.2M atkinssavingsbank.com
Audubon State Bank 1 Audubon, IA $155.3M audubonstatebank.com
First State Bank 1 Belmond, IA $141.7M fsbbelmond.com
Corydon State Bank 1 Corydon, IA $138.0M —
FNNB Bank 1 Newton, IA $109.5M fnnbbank.com
Breda Savings Bank 1 Breda, IA $106.0M bredasavingsbank.com
Sibley State Bank 1 Sibley, IA $104.4M sibleystatebank.com
Community Bank of Oelwein 1 Oelwein, IA $95.0M bankoelwein.com
Sanborn Savings Bank 1 Sanborn, IA $92.7M sanbornbank.com
The First National Bank of Manning 1 Manning, IA $87.7M fnbmanning.com
The Watkins Savings Bank 1 Watkins, IA $86.7M watkinsbank.com
The Farmers State Bank 1 Marcus, IA $77.2M fsbmarcus.com
Farmers State Bank 1 Yale, IA $72.6M yalebankiowa.com
First State Bank 1 Nashua, IA $72.5M fsb-nashua.com
Montezuma State Bank 1 Montezuma, IA $54.6M montestatebank.com
Ashton State Bank 1 Ashton, IA $54.5M ashtonstatebank.com
Benton County State Bank 1 Blairstown, IA $50.8M bentoncountystatebank.com
Palo Savings Bank 1 Palo, IA $49.2M palosavingsbank.com
ITS Bank 1 Johnston, IA $45.2M —
Cornerstone Bank 1 Clarinda, IA $42.0M cornerstonebankia.com
Community State Bank 1 Paton, IA $41.4M csbpaton.com
State Bank of Schaller 1 Schaller, IA $40.6M statebankofschaller.com
Farmers State Bank 1 Lake View, IA $36.7M fsblv.com
The First National Bank of Primghar 1 Primghar, IA $36.3M fnbprimghar.com
Maxwell State Bank 1 Maxwell, IA $31.7M maxwellstate.com
American Trust and Savings Bank 1 Lowden, IA $27.8M atsb-lowden.com
Dysart State Bank 1 Dysart, IA $16.5M dysartstatebank.com

Bank branches in Iowa by type

Full-service branches
1,346
94.2%
In-store branches
4
0.3%
Drive-thru & detached
47
3.3%
Loan offices
8
0.6%
Other limited-service
24
1.7%

Banks vs loan stores: cities in Iowa

City Bank branches Banks Loan stores
Des Moines 43 19 5
Cedar Rapids 36 18 3
West Des Moines 35 26 1
Sioux City 33 14 3
Davenport 28 13 3
Ames 23 16 —
Dubuque 20 6 1
Ankeny 19 15 1
Council Bluffs 18 10 3
Iowa City 17 6 —
Waterloo 16 10 1
Marion 15 11 —

Bank branches are located in 566 Iowa cities and towns.

Loan stores in smaller towns of Iowa

Other cities and towns in Iowa with payday or installment loan stores, and the number of stores in each.

Bank branches as reported to the FDIC, including main offices. Total assets are for the whole bank, not only its Iowa branches. Loan stores: storefront locations of major payday, installment and title lenders; online-only lenders are not included.