CENTRAL STATE BANK

STATE CENTER, IA | Medium | Est. Jan. 1, 1902, midnight | FDIC #10903 | RSSD #607146 | FDIC
Latest Report: 2025-12-31

CENTRAL STATE BANK is amn medium FDIC-insured commercial bank headquartered in STATE CENTER, IA, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $569M and total deposits of $478M. Profitability stands at 0.91% ROA and 9.54% ROE, with a net interest margin of 2.37%. The bank's CET1 capital ratio is 11.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.27%. FDIC Certificate #10903.

Assets

$569M

Deposits

$478M

Loans

$449M

Equity

$54M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 9.54%
Net Interest Margin (NIM) 2.37%
Yield on Assets 5.99%
Cost of Funds 3.72%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.27%
NPA Ratio 0.13%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 11.14%
Tier 1 Capital 11.14%
Total Capital Ratio 12.05%
Leverage Ratio 10.37%
Loan-to-Deposit 93.98%

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