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Central State Bank
State Center, IA · FDIC Certificate #10903 · Chartered 01/0
Total assets
$557.82M
Total deposits
$465.93M
Total equity
$54.19M
Net loans
$441.29M
Branches (offices)
3
Net income (YTD)
$2.46M
Rank: #1,647 of 4,213 U.S. banks by assets · #54 of 225 in Iowa. Assets changed 2.8% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 9.16% |
| Net interest margin (YTD) | 2.27% |
| Equity to assets | 9.71% |
| Tier 1 leverage ratio | 10.43% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 69.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $305.21M | 69.2% | |
| Commercial & industrial | $89.68M | 20.3% | |
| Consumer / individual | $7.06M | 1.6% | |
| Construction & development | $25.37M | 5.8% | |
| Agricultural | $9.72M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $408.99M | $341.23M | $3.94M | $39.39M |
| Jun 2023 | $480.30M | $395.05M | $1.91M | $44.58M |
| Jun 2024 | $547.51M | $451.50M | $1.49M | $47.36M |
| Jun 2025 | $542.56M | $453.67M | $1.58M | $50.74M |
| Jun 2026 | $557.82M | $465.93M | $2.46M | $54.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $465.93M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $465.93M.
Similar-sized banks
First State Bank ($558.09M) · Northwestern Mutual Wealth Management ($557.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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