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Central Bank
Storm Lake, IA · FDIC Certificate #15555 · Chartered 01/0
Total assets
$2.29B
Total deposits
$1.87B
Total equity
$237.08M
Net loans
$1.98B
Branches (offices)
23
Net income (YTD)
$10.83M
Rank: #543 of 4,213 U.S. banks by assets · #12 of 225 in Iowa. Assets changed 5.5% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 9.27% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 10.35% |
| Tier 1 leverage ratio | 10.09% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 105.6% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.56B | 79.0% | |
| Commercial & industrial | $329.36M | 16.6% | |
| Consumer / individual | $16.96M | 0.9% | |
| Construction & development | $157.75M | 8.0% | |
| Agricultural | $74.17M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.79B | $1.59B | $10.12M | $175.84M |
| Jun 2023 | $2.16B | $1.69B | $8.57M | $183.38M |
| Jun 2024 | $2.21B | $1.80B | $5.71M | $200.39M |
| Jun 2025 | $2.17B | $1.82B | $7.33M | $223.51M |
| Jun 2026 | $2.29B | $1.87B | $10.83M | $237.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $1.46B | 17 |
| South Dakota | $411.69M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.87B.
Similar-sized banks
Parke Bank ($2.30B) · Builtwell Bank ($2.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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