Central State Bank

BankState Center, Iowa
www.centralstatebankia.com

Total Assets

$568.6M

Total Deposits

$477.6M

Branches

3

Established

1902

TFS Health Grade

$
C-

71.2 / 100

Average financial health

How we grade

Central State Bank is a bank headquartered in State Center, Iowa, established in 1902. With $568.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (71.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.37%(8%)
Total Capital Ratio
12.05%(10%)
Non-Performing Loan Ratio
0.17%

Profitability

Return on Assets (ROA)
0.68%(1%)
Return on Equity (ROE)
7.30%(10%)
Net Interest Margin
2.02%
Efficiency Ratio
64.60%(60%)

Lending & Liquidity

Total Loans
$448.8M
Loan-to-Deposit Ratio
92.98%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+4.81%
Deposit Growth (YoY)
+4.82%
Net Income
$3.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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