Banks in Lake City, IA

Bank branch map: Lake City

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 Lake City, 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 Lake City

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

Short answer: United Bank of Iowa and Midwest Heritage Bank, FSB have the most locations in Lake City, 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.

Midwest Heritage Bank, FSB 1 branch · main office West Des Moines, IA Bank · 1

Midwest Heritage Bank, FSB has 1 branch in Lake City, 12 across Iowa and 13 nationwide. FDIC records list its main office in West Des Moines, IA and show it operating since 1930. With $768.3 million in total assets on June 30, 2026, it ranks No. 1,306 of 4,232 U.S. banks by total assets. The 106 North Illinois St Branch at 106 N Illinois St dates to 1936 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 106 North Illinois St Branch

  106 N Illinois St, 51449

  Hours: see the bank's site
  DirectionsWebsite

Midwest Heritage Bank, FSB: profile, branches and contacts

United Bank of Iowa 1 branch · main office Ida Grove, IA Bank · 1

United Bank of Iowa has 1 branch in Lake City, 38 across Iowa and 38 nationwide. FDIC records list its main office in Ida Grove, IA and show it operating since 1932. With $2.50 billion in total assets on June 30, 2026, it ranks No. 503 of 4,232 U.S. banks by total assets. The Lake City Branch at 201 N Center St dates to 1920 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Lake City Branch

  201 N Center St, 51449

  Hours: see the bank's site
  DirectionsWebsite

United Bank of Iowa: profile, branches and contacts

Banking in Lake City: the local picture

Short answer: 2 banks run 2 branches in Lake City 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 Lake City, 2 elsewhere in Iowa, according to the FDIC.

The bank with the longest record here is Midwest Heritage Bank, FSB, operating since 1930 according to the FDIC. In FDIC branch records, the longest-running branch is United Bank of Iowa's office at 201 N Center St, dating to 1920; the newest is Midwest Heritage Bank, FSB's at 106 N Illinois St, from 1936.

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 Lake City, and where the nearest one is if they do not.

Short answer: No branches in Lake City: Chase (nearest in Ames, 60 mi), Wells Fargo (nearest in Fort Dodge, 32 mi), Bank of America (nearest in Urbandale, 67 mi), PNC Bank, U.S. Bank (nearest in Boone, 46 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 68 mi), TD Bank, BMO (nearest in Carroll, 15 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Lake City 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 Lake City residents like anyone else.

Banks near Lake City

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

Short answer: The closest towns with more choice are Rockwell City (10 miles) and Glidden (14 miles). Carroll, 16 miles away, has the most banks nearby: 6.

Bank branch openings and closings in Lake City

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

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

Largest banks in Lake City by total assets

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

Short answer: United Bank of Iowa is the largest bank with offices in Lake City, with $2.50 billion in total assets on June 30, 2026, No. 503 among U.S. banks by total assets. Midwest Heritage Bank, FSB is second with $768.3 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 Lake City: FAQ

How we build this page

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