Central State Bank (Coralville, IA)
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Data as of · sourced from FFIEC call reports. How we update
Central State Bank is an FDIC-insured commercial bank headquartered in Coralville, IA, established in 1931 (FDIC certificate 1550), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $419.3M, down 7.5% from Q2 2025, the 79th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 14.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1550
- Headquarters
- Coralville, IA
- Established
- 1931
- Total assets, Q2 2026
- $419.3M
- Assets vs Q2 2025
- -7.5%
- CET1 ratio, Q2 2026
- 14.42%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 073905608
- Holding company
- AJJ BANCORP, INC.
- Asset rank in state
- 79th of 225 in Iowa
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%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Central State Bank is the 79th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 5.0% to $419.3M, loans fell 2.4% and deposits fell 4.1%. 1-4 family residential loans made up 23.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.4%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in IA; its Elkader 2 offices book 33% of its branch deposits. On its Q2 2026 call report, Central State Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 7 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Central State Bank's total assets ranged from $419.3M (Q2 2026) to $477.3M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$419.3M total assets against $453.3M; $377.9M total liabilities against $413.4M.
$323.6M net loans and leases against $359.9M; $344.4M total deposits against $368.0M.
$52.2M securities against $55.6M; $18.5M cash and balances due against $11.8M.
$5.4M total interest income against $5.5M; $1.9M total interest expense against $2.6M.
$3.5M net interest income against $3.0M.
$146K total noninterest income against $160K; $1.8M total noninterest expense against $1.9M.
-$497K provision for credit losses against $14K.
$2.2M net income against $1.2M.
2.12% return on assets against 1.08%; 3.32% net interest margin against 2.77%.
14.42% CET1 capital ratio against 12.75%; 10.27% tier 1 leverage ratio against 9.68%.
Inside the full Central State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 381 of 3,611, for ROA; its furthest is 3,199 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.60% (Q3 2024) to 2.12% (Q2 2026) and its net interest margin ran from 2.14% (Q3 2024) to 3.32% (Q2 2026).
| 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% | 0.36% | 3.34% | 2.77% |
| Q1 2025 | 12.48% | 0.83% | 0.37% | 5.83% | 2.46% |
| Q4 2024 | 11.94% | 0.82% | 0.04% | 2.90% | 2.35% |
| Q3 2024 | 11.42% | 0.60% | 0.31% | 3.01% | 2.14% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Central State Bank headquartered?
It is headquartered in Coralville, IA, United States.
When was Central State Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Central State Bank FDIC-insured?
Yes. It 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.
What is Central State Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.14% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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