BanksSTATE CENTRAL BANK

STATE CENTRAL BANK

BONAPARTE, IAMicroEst. March 17, 1858, midnightFDIC #5820RSSD #808345FDIC
Latest · 2025-12-31

STATE CENTRAL BANK is an 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%. CET1 capital ratio: 17.07%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.01%. Operates 4 domestic branches.

Assets
$61M
Deposits
$50M
Loans
$33M
Equity
$10M

Profitability

Return on Assets (ROA)0.82%
Return on Equity (ROE)4.84%
Net Interest Margin5.00%
Yield on Assets7.06%
Cost of Funds2.28%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.33%
Texas Ratio0.01%
NPA Ratio0.00%
ACL / Loans2.18%

Capital & Liquidity

CET1 Ratio17.07%
Tier 1 Capital17.07%
Total Capital Ratio17.92%
Leverage Ratio15.54%
Loan-to-Deposit65.80%

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