Central State Bank (Coralville, IA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Central State Bank is one of the more profitable banks of its size. The Coralville, Iowa bank had $419 million in assets at June 30, 2026, down 7.5% from a year earlier. It returns 21.5% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also shrank its loan book 10.1% over the year, lower than about 9 in 10 banks its size (median 5.5%). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $2.2 million, 84% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.02% of loans from 0.36%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Central State Bank reported a CET1 capital ratio of 14.42%, a return on assets of 2.12%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.14%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 805 22nd Ave, Coralville, IA 52241
- County
- Johnson
- Metro Area
- Iowa City, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 12, 1931
- Offices
- 7 domestic
- Employees (FTE)
- 43
- Domestic deposits
- $344.4M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $421.4M
- Average total loans
- $338.9M
- Average interest-bearing deposits
- $345.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1550
- Fed RSSD
- 678744
- Website
- centralstate.bank →
- Parent Holding Company
- AJJ BANCORP, INC. (RSSD 2253734)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Central State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Central State Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.42% | 2.12% | 0.02% | 0.14% | 3.32% |
| Q1 2026 | 14.30% | 1.41% | 0.02% | 0.14% | 3.12% |
| Q4 2025 | 12.92% | 1.43% | 0.00% | 0.00% | 3.01% |
| Q3 2025 | 13.29% | 1.05% | 0.02% | 0.49% | 2.76% |
| Q2 2025 | 12.75% | 1.08% | 0.05% | 3.34% | 2.77% |
| Q1 2025 | 12.48% | 0.83% | 0.11% | 5.83% | 2.46% |
| Q4 2024 | 11.94% | 0.82% | 0.04% | 2.90% | 2.35% |
| Q3 2024 | 11.42% | 0.60% | 0.29% | 3.01% | 2.14% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Elkader Branch | Elkader , IA | 52043 | $115.2M |
| Swisher Branch | Swisher , IA | 52338 | $66.1M |
| Central State Bank (main office) | Coralville , IA | 52241 | $65.7M |
| Marquette Branch | Marquette , IA | 52158 | $39.2M |
| Walford Branch | Walford , IA | 52351 | $38.4M |
| Cedar Rapids Branch | Cedar Rapids , IA | 52402 | $19.8M |
| Elkader Branch | Elkader , IA | 52043 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2019 | Structure Change | Acquired Swisher Trust & Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 2010 | Structure Change | Acquired Corridor State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 22, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 13, 1990 | Structure Change | Acquired First State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 1966 | Structure Change | Acquired Volga State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Central State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IA, rank 85 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 39 applications, 32 loans originated, $26.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $464K approved, $155K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Central State Bank
What are Central State Bank's total assets?
As of the Q2 2026 filing, Central State Bank reported total assets of $419.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Central State Bank headquartered?
Central State Bank is headquartered in Coralville, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Central State Bank founded?
Central State Bank was established in 1931, per the FDIC institution directory.
Is Central State Bank FDIC-insured?
Yes. Central State Bank is an FDIC-insured commercial bank (FDIC Certificate #1550). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central State Bank?
Central State Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Central State Bank's CET1 capital ratio?
Central State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Central State Bank operate?
Central State Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central State Bank's Texas Ratio?
Central State Bank's Texas Ratio is 0.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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