Central State Bank
State Center, IA
IDRSSD: 607146
Total Assets
$568.58M
Latest filing
Total Deposits
$477.58M
Latest filing
Net Interest Margin
2.22%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central State Bank
109 Main St W
State Center, IA 50247
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 6982
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central State Bank (Main) | 109 Main St W | State Center, IA |
| AMES BRANCH | 2709 Northridge Pkwy | Ames, IA |
| WEST DES MOINES BRANCH | 140 S 68th St | West Des Moines, IA |
Showing 2 of 2
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50247 |
| State and County Number | 19127 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Marshalltown, IA |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| 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.centralstatebankia.com |
| Data Updated | 01/30/2026 |
| CERT | 10903 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $568.58M |
| Total Deposits | $477.58M |
| Total Liabilities | $514.44M |
| Total Equity Capital | $54.14M |
| Net Income | $1.28M |
| Net Loans and Leases | $444.07M |
| Assets Per Employee ($Millions) | $15.79M |
| Bank Premises and Fixed Assets | $1.99M |
| Cash and Balances due from Depository Institutions | $14.43M |
| Deposits Held in Domestic Offices | $477.58M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 9.54% |
| Net Interest Margin | 2.22% |
| Efficiency Ratio | 55.63% |
| Tier 1 Risk-Based Capital Ratio | 11.137% |
| 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 | 9.521% |
| Earning Assets to total Assets | 98.11% |
Income and Expense
| Total Interest Income | $7.69M |
| Total Noninterest Income | $46.00k |
| Total Interest Expense | $4.65M |
| Total Noninterest Expense | $1.72M |
| Net Interest Income | $3.04M |
| Pre-tax Net Operating Income | $1.37M |
| 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 | $32.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.02M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.77M |
| Total Liabilities and Capital | $568.58M |
Securities
| Securities | $101.05M |
| Available-for-sale debt securities | $99.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central State Bank?
$568.58M as of the latest filing.
How much are Central State Bank's total deposits?
$477.58M in total deposits.
Where is Central State Bank located?
State Center, IA.
What is the Net Interest Margin?
2.22%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$444.07M (latest filing).
What is the total interest income (latest filing)?
$7.69M.