CITY STATE BANK

NORWALK, IA | Medium | Est. Jan. 1, 1895, midnight | FDIC #14410 | RSSD #252041 | FDIC
Latest Report: 2025-12-31

CITY STATE BANK is amn medium FDIC-insured commercial bank headquartered in NORWALK, IA, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $775M and total deposits of $684M. Profitability stands at 1.58% ROA and 16.80% ROE, with a net interest margin of 3.42%. The bank's CET1 capital ratio is 9.11%. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.50%. FDIC Certificate #14410.

Assets

$775M

Deposits

$684M

Loans

$582M

Equity

$71M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 16.80%
Net Interest Margin (NIM) 3.42%
Yield on Assets 5.87%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio -0.16%
Texas Ratio 2.50%
NPA Ratio 0.25%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 9.11%
Tier 1 Capital 9.11%
Total Capital Ratio 9.56%
Leverage Ratio 9.39%
Loan-to-Deposit 85.12%

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