BanksCENTRAL STATE BANK

CENTRAL STATE BANK

STATE CENTER, IAMediumEst. Jan. 1, 1902, midnightFDIC #10903RSSD #607146FDIC
Latest · 2025-12-31

CENTRAL STATE BANK is an 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%. CET1 capital ratio: 11.14%, well above regulatory minimums. NPL ratio: 0.17% · Texas Ratio: 1.27%. Operates 3 domestic branches.

Assets
$569M
Deposits
$478M
Loans
$449M
Equity
$54M

Profitability

Return on Assets (ROA)0.91%
Return on Equity (ROE)9.54%
Net Interest Margin2.37%
Yield on Assets5.99%
Cost of Funds3.72%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio0.00%
Texas Ratio1.27%
NPA Ratio0.13%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio11.14%
Tier 1 Capital11.14%
Total Capital Ratio12.05%
Leverage Ratio10.37%
Loan-to-Deposit93.98%

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