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State Central Bank
Bonaparte, IA · FDIC Certificate #5820 · Chartered 03/1
Total assets
$63.21M
Total deposits
$50.57M
Total equity
$10.67M
Net loans
$36.27M
Branches (offices)
4
Net income (YTD)
$485.00K
Rank: #3,947 of 4,213 U.S. banks by assets · #210 of 225 in Iowa. Assets changed 11.7% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 9.24% |
| Net interest margin (YTD) | 5.02% |
| Equity to assets | 16.88% |
| Tier 1 leverage ratio | 16.11% |
| Uninsured deposits (share of deposits) | 20.4% |
| Noncurrent loans (share of loans) | 1.11% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 71.7% |
| Real estate loans (share of loans) | 60.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $22.04M | 60.8% | |
| Commercial & industrial | $8.71M | 24.0% | |
| Consumer / individual | $6.06M | 16.7% | |
| Construction & development | $2.00M | 5.5% | |
| Agricultural | $111.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $49.29M | $44.42M | $308.00K | $4.83M |
| Jun 2023 | $48.72M | $43.88M | $88.00K | $4.79M |
| Jun 2024 | $50.21M | $44.42M | $49.00K | $5.72M |
| Jun 2025 | $56.57M | $47.57M | $485.00K | $8.93M |
| Jun 2026 | $63.21M | $50.57M | $485.00K | $10.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $50.57M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $50.57M.
Similar-sized banks
First Western Federal Savings Bank ($63.54M) · Montrose Savings Bank ($63.20M)
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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