Central State Bank
State Center, IA · Cert 10903 · Peer group: banks under $1B in assets in IA (n=134-135) · State Center Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$557.8MAssets
$445.8MLoans
$465.9MDeposits
$54.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets in IA (rank 52 of 134).
- Widest gap: net interest margin trails 96% of banks under $1B in assets in IA (rank 130 of 135).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.71%
Rank 117 of 135
Net Interest Margin
2.22%
Rank 130 of 135
Efficiency Ratio
59.67%
Rank 84 of 135
Equity / Assets
9.71%
Rank 104 of 135
Non-interest income vs. expense
Unfavorable gap of $7.4M · efficiency ratio beats 39% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.92% | 1.19% | 1.47% | Beats 13% | 117 / 135 | | |
| Return on Equity | 7.32% | 7.99% | 10.26% | 13.14% | Beats 20% | 108 / 135 | | |
| Net Interest Margin | 2.22% | 2.95% | 3.41% | 3.73% | Beats 4% | 130 / 135 | | |
| Efficiency Ratio | 59.67% | 50.61% | 57.35% | 63.29% | Beats 39% | 84 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.03% | 0.51% | 1.26% | Beats 23% | 104 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 64% | 52 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 10.43% | 11.23% | 13.31% | 15.45% | Beats 10% | 121 / 135 | | |
| Total Risk-Based Capital Ratio | 10.43% | 11.61% | 14.06% | 16.47% | Beats 8% | 124 / 135 | | |
| Equity / Assets | 9.71% | 9.87% | 11.05% | 13.07% | Beats 23% | 104 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.69% | 68.54% | 81.55% | 91.24% | 83rd pctl | 23 / 134 | | |
| Loans / Assets | 79.92% | 57.61% | 68.06% | 76.23% | 85th pctl | 20 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |