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Central State Bank
Coralville, IA · FDIC Certificate #1550 · Chartered 11/1
Total assets
$419.32M
Total deposits
$344.42M
Total equity
$41.45M
Net loans
$323.57M
Branches (offices)
7
Net income (YTD)
$3.75M
Rank: #2,002 of 4,213 U.S. banks by assets · #79 of 225 in Iowa. Assets changed -7.5% and deposits -6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 18.12% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 9.88% |
| Tier 1 leverage ratio | 10.27% |
| Uninsured deposits (share of deposits) | 30.7% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.9% |
| Real estate loans (share of loans) | 83.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $271.28M | 83.8% | |
| Commercial & industrial | $43.08M | 13.3% | |
| Consumer / individual | $1.80M | 0.6% | |
| Construction & development | $17.27M | 5.3% | |
| Agricultural | $10.10M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $424.60M | $352.95M | $2.92M | $35.45M |
| Jun 2023 | $450.11M | $365.09M | $2.02M | $37.41M |
| Jun 2024 | $470.26M | $368.18M | $1.57M | $37.89M |
| Jun 2025 | $453.27M | $368.01M | $2.16M | $39.92M |
| Jun 2026 | $419.32M | $344.42M | $3.75M | $41.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $344.42M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $344.42M.
Similar-sized banks
Kentland Bank ($419.37M) · First National Bank In Deridder ($419.04M)
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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