Banks in Garner, IA

Bank branch map: Garner

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Garner, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Garner

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Clear Lake Bank and Reliance State Bank have the most locations in Garner, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Clear Lake Bank 1 branch · main office Clear Lake, IA Bank · 1

Clear Lake Bank has 1 branch in Garner, 5 across Iowa and 5 nationwide. FDIC records list its main office in Clear Lake, IA and show it operating since 1934. With $649.3 million in total assets on June 30, 2026, it ranks No. 1,466 of 4,232 U.S. banks by total assets. The Garner Branch at 325 State St dates to 1935 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Garner Branch

  325 State St, 50438

  Hours: see the bank's site
  DirectionsWebsite

Clear Lake Bank: profile, branches and contacts

Reliance State Bank 1 branch · main office Story City, IA Bank · 1

Reliance State Bank has 1 branch in Garner, 2 across Iowa and 2 nationwide. FDIC records list its main office in Story City, IA and show it operating since 1928. With $276.8 million in total assets on June 30, 2026, it ranks No. 2,597 of 4,232 U.S. banks by total assets. The Garner Branch at 175 E 3rd St dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Garner Branch

  175 E 3rd St, 50438

  Hours: see the bank's site
  DirectionsWebsite

Reliance State Bank: profile, branches and contacts

Banking in Garner: the local picture

Short answer: 2 banks run 2 branches in Garner according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Garner, 2 elsewhere in Iowa, according to the FDIC.

The bank with the longest record here is Reliance State Bank, operating since 1928 according to the FDIC. In FDIC branch records, the longest-running branch is Reliance State Bank's office at 175 E 3rd St, dating to 1934; the newest is Clear Lake Bank's at 325 State St, from 1935.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Garner, and where the nearest one is if they do not.

Short answer: No branches in Garner: Chase (nearest in Ames, 75 mi), Wells Fargo (nearest in Mason City, 20 mi), Bank of America (nearest in Urbandale, 101 mi), PNC Bank, U.S. Bank (nearest in Mason City, 20 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Cedar Falls, 73 mi), TD Bank, BMO (nearest in Boone, 73 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Garner to the nearest branch in Iowa.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Garner residents like anyone else.

Banks near Garner

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Britt (10 miles) and Forest City (11 miles). Mason City, 20 miles away, has the most banks nearby: 6.

Bank branch openings and closings in Garner

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Garner between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Garner by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Garner offices.

Short answer: Clear Lake Bank is the largest bank with offices in Garner, with $649.3 million in total assets on June 30, 2026, No. 1,466 among U.S. banks by total assets. Reliance State Bank is second with $276.8 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Garner: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.