CENTRAL BANK

STORM LAKE, IA | Large | Est. Jan. 1, 1879, midnight | FDIC #15555 | RSSD #546544 | FED
Latest Report: 2025-12-31

CENTRAL BANK is aln large FDIC-insured commercial bank headquartered in STORM LAKE, IA, established in Jan. 1, 1879, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $1.9B. Profitability stands at 0.86% ROA and 8.44% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 10.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.20%. FDIC Certificate #15555.

Assets

$2.3B

Deposits

$1.9B

Loans

$2.0B

Equity

$231M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 8.44%
Net Interest Margin (NIM) 3.60%
Yield on Assets 5.93%
Cost of Funds 3.77%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.20%
NPA Ratio 0.02%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 10.56%
Tier 1 Capital 10.56%
Total Capital Ratio 11.52%
Leverage Ratio 9.85%
Loan-to-Deposit 103.09%

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