CENTRAL STATE BANK

CORALVILLE, IA | Small | Est. Nov. 12, 1931, midnight | FDIC #1550 | RSSD #678744 | FED
Latest Report: 2025-12-31

CENTRAL STATE BANK is asn small FDIC-insured commercial bank headquartered in CORALVILLE, IA, established in Nov. 12, 1931, midnight. As of 2025-12-31, the bank reported total assets of $441M and total deposits of $344M. Profitability stands at 1.41% ROA and 15.16% ROE, with a net interest margin of 3.11%. The bank's CET1 capital ratio is 12.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #1550.

Assets

$441M

Deposits

$344M

Loans

$355M

Equity

$41M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 15.16%
Net Interest Margin (NIM) 3.11%
Yield on Assets 5.46%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 12.92%
Tier 1 Capital 12.92%
Total Capital Ratio 14.17%
Leverage Ratio 9.72%
Loan-to-Deposit 103.09%

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