BanksCENTRAL STATE BANK

CENTRAL STATE BANK

CORALVILLE, IASmallEst. Nov. 12, 1931, midnightFDIC #1550RSSD #678744FED
Latest · 2025-12-31

CENTRAL STATE BANK is an 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%. CET1 capital ratio: 12.92%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 9 domestic branches.

Assets
$441M
Deposits
$344M
Loans
$355M
Equity
$41M

Profitability

Return on Assets (ROA)1.41%
Return on Equity (ROE)15.16%
Net Interest Margin3.11%
Yield on Assets5.46%
Cost of Funds2.40%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio12.92%
Tier 1 Capital12.92%
Total Capital Ratio14.17%
Leverage Ratio9.72%
Loan-to-Deposit103.09%

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