BanksCENTRAL BANK

CENTRAL BANK

STORM LAKE, IALargeEst. Jan. 1, 1879, midnightFDIC #15555RSSD #546544FED
Latest · 2025-12-31

CENTRAL BANK is an 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%. CET1 capital ratio: 10.56%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.20%. Operates 23 domestic branches.

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 Margin3.60%
Yield on Assets5.93%
Cost of Funds2.41%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.00%
Texas Ratio0.20%
NPA Ratio0.02%
ACL / Loans1.01%

Capital & Liquidity

CET1 Ratio10.56%
Tier 1 Capital10.56%
Total Capital Ratio11.52%
Leverage Ratio9.85%
Loan-to-Deposit103.09%

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