Central State Bank
Coralville, IA · Cert 1550 · Peer group: banks under $1B in assets in IA (n=134-135) · Ajj Bcorp Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
$419.3MAssets
$328.0MLoans
$344.4MDeposits
$41.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: equity / assets trails 74% of banks under $1B in assets in IA (rank 100 of 135).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.45%
Rank 40 of 135
Net Interest Margin
3.20%
Rank 87 of 135
Efficiency Ratio
51.43%
Rank 37 of 135
Equity / Assets
9.88%
Rank 100 of 135
Non-interest income vs. expense
Unfavorable gap of $6.6M · efficiency ratio beats 73% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.92% | 1.19% | 1.47% | Beats 70% | 40 / 135 | |
| Return on Equity | 14.67% | 7.99% | 10.26% | 13.14% | Beats 83% | 23 / 135 | |
| Net Interest Margin | 3.20% | 2.95% | 3.41% | 3.73% | Beats 36% | 87 / 135 | |
| Efficiency Ratio | 51.43% | 50.61% | 57.35% | 63.29% | Beats 73% | 37 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.51% | 1.26% | Beats 78% | 31 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 14.42% | 11.23% | 13.31% | 15.45% | Beats 63% | 50 / 135 | |
| Total Risk-Based Capital Ratio | 15.68% | 11.61% | 14.06% | 16.47% | Beats 69% | 42 / 135 | |
| Equity / Assets | 9.88% | 9.87% | 11.05% | 13.07% | Beats 26% | 100 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 95.22% | 68.54% | 81.55% | 91.24% | 82nd pctl | 24 / 134 | |
| Loans / Assets | 78.21% | 57.61% | 68.06% | 76.23% | 80th pctl | 27 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |