Banks in Winterset, IA

Bank branch map: Winterset

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: 3 banks and credit unions operate 4 locations in Winterset, according to the FDIC. 4 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 Winterset

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

Short answer: Farmers and Merchants State Bank has the most locations in Winterset, with 2. The other 2 each 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.

Farmers and Merchants State Bank 2 branches · main office Winterset, IA Bank · 2

Farmers and Merchants State Bank has 2 branches in Winterset, 5 across Iowa and 5 nationwide. FDIC records list its main office in Winterset, IA and show it operating since 1938. With $271.7 million in total assets on June 30, 2026, it ranks No. 2,614 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winterset location is its main office at 101 W Jefferson St, dating to 1938; the newest, at 722 N 1st St, to 1980. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  101 W Jefferson St, 50273

  Hours: see the bank's site
  DirectionsWebsite
• Motor Branch

  722 N 1st St, 50273

  Hours: see the bank's site
  DirectionsWebsite

Farmers and Merchants State Bank: profile, branches and contacts

American State Bank 1 branch · main office Osceola, IA Bank · 1

American State Bank has 1 branch in Winterset, 4 across Iowa and 4 nationwide. FDIC records list its main office in Osceola, IA and show it operating since 1987. With $360.8 million in total assets on June 30, 2026, it ranks No. 2,209 of 4,232 U.S. banks by total assets. The South John Wayne Drive Branch at 809 N John Wayne Dr dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• South John Wayne Drive Branch

  809 N John Wayne Dr, 50273

  Hours: see the bank's site
  DirectionsWebsite

American State Bank: profile, branches and contacts

Union State Bank 1 branch · main office Winterset, IA Bank · 1

Union State Bank has 1 branch in Winterset, 3 across Iowa and 3 nationwide. FDIC records list its main office in Winterset, IA and show it operating since 1935. With $136.5 million in total assets on June 30, 2026, it ranks No. 3,432 of 4,232 U.S. banks by total assets. Its main office at 611 W Highway 92 dates to 1935 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  611 W Highway 92, 50273

  Hours: see the bank's site
  DirectionsWebsite

Union State Bank: profile, branches and contacts

Banking in Winterset: the local picture

Short answer: 3 banks run 4 branches in Winterset 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 3 banks, 2 have their main office in Winterset, 1 elsewhere in Iowa, according to the FDIC.

The bank with the longest record here is Union State Bank, operating since 1935 according to the FDIC. In FDIC branch records, the longest-running branch is Union State Bank's office at 611 W Highway 92, dating to 1935; the newest is American State Bank's at 809 N John Wayne Dr, from 1998.

None of the 4 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 Winterset, and where the nearest one is if they do not.

Short answer: No branches in Winterset: Chase (nearest in West Des Moines, 19 mi), Wells Fargo (nearest in West Des Moines, 20 mi), Bank of America (nearest in West Des Moines, 19 mi), PNC Bank, U.S. Bank (nearest in West Des Moines, 20 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 24 mi), TD Bank, BMO (nearest in West Des Moines, 20 mi).

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

Banks near Winterset

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

Short answer: The closest towns with more choice are Adel (19 miles) and Stuart (19 miles). West Des Moines, 20 miles away, has the most banks nearby: 26.

Bank branch openings and closings in Winterset

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

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

Banks and credit unions based in Winterset

Short answer: 2 institutions have their main office in Winterset: Farmers and Merchants State Bank and Union State Bank.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Winterset by total assets

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

Short answer: American State Bank is the largest bank with offices in Winterset, with $360.8 million in total assets on June 30, 2026, No. 2,209 among U.S. banks by total assets. Farmers and Merchants State Bank is second with $271.7 million. 2 of the 3 banks are headquartered here. 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 Winterset: FAQ

How we build this page

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