STATE CENTRAL BANK

BONAPARTE, IA | Micro | Est. March 17, 1858, midnight | FDIC #5820 | RSSD #808345 | FDIC
Latest Report: 2025-12-31

STATE CENTRAL BANK is amn micro FDIC-insured commercial bank headquartered in BONAPARTE, IA, established in March 17, 1858, midnight. As of 2025-12-31, the bank reported total assets of $61M and total deposits of $50M. Profitability stands at 0.82% ROA and 4.84% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 17.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #5820. The institution operates 1 domestic branch.

Assets

$61M

Deposits

$50M

Loans

$33M

Equity

$10M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 4.84%
Net Interest Margin (NIM) 5.00%
Yield on Assets 7.06%
Cost of Funds 2.83%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.33%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 2.18%

Capital & Liquidity

CET1 Ratio 17.07%
Tier 1 Capital 17.07%
Total Capital Ratio 17.92%
Leverage Ratio 15.54%
Loan-to-Deposit 65.80%

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