Central Bank
Storm Lake, IA
IDRSSD: 546544
Total Assets
$2.26B
Latest filing
Total Deposits
$1.90B
Latest filing
Net Interest Margin
3.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073903503STORM LAKE, IA
Key People
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Locations
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Main Office
Central Bank
600 Lake Ave
Storm Lake, IA 50588
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1879FDIC Certificate 9849
Branches (22)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Central Bank (Main) | 600 Lake Ave | Storm Lake, IA |
| DRIVE-IN BRANCH | 1237 Lake Ave | Storm Lake, IA |
| 4018 UNIVERSITY BRANCH | 4018 University Ave | Des Moines, IA |
| 522 FOURTH STREET BRANCH | 504 4th St | Sioux City, IA |
| 3624 SIXTH AVENUE BRANCH | 3624 6th Ave | Des Moines, IA |
| BROOKINGS BRANCH | 600 Main Ave | Brookings, SD |
| SIOUX FALLS SOUTH MINNESOTA BRANCH | 2500 S Minnesota Ave | Sioux Falls, SD |
| 86TH STREET BRANCH | 4848 86th St | Urbandale, IA |
Showing 7 of 22
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1879 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50588 |
| State and County Number | 19021 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Storm Lake, IA |
Operational Info
| Number of Employees | 304 |
| Domestic Offices | 23 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mycentral.bank |
| Data Updated | 01/30/2026 |
| CERT | 15555 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.26B |
| Total Deposits | $1.90B |
| Total Liabilities | $2.03B |
| Total Equity Capital | $231.20M |
| Net Income | $4.84M |
| Net Loans and Leases | $1.94B |
| Assets Per Employee ($Millions) | $7.2M |
| Bank Premises and Fixed Assets | $49.70M |
| Cash and Balances due from Depository Institutions | $68.05M |
| Deposits Held in Domestic Offices | $1.90B |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 8.44% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 72.55% |
| Tier 1 Risk-Based Capital Ratio | 10.557% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.226% |
| Earning Assets to total Assets | 94.23% |
Income and Expense
| Total Interest Income | $30.86M |
| Total Noninterest Income | $4.70M |
| Total Interest Expense | $12.11M |
| Total Noninterest Expense | $17.09M |
| Net Interest Income | $18.75M |
| Pre-tax Net Operating Income | $6.36M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $110.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $9.57M |
| All Other Liabilities | $9.49M |
| Total Liabilities and Capital | $2.26B |
Securities
| Securities | $146.90M |
| Available-for-sale debt securities | $137.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.77M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank?
$2.26B as of the latest filing.
How much are Central Bank's total deposits?
$1.90B in total deposits.
Where is Central Bank located?
Storm Lake, IA.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
23.
When was it established?
01/01/1879.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$1.94B (latest filing).
What is the total interest income (latest filing)?
$30.86M.