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Central State Bank

Coralville, IA
IDRSSD: 678744
Total Assets
$451.31M
Latest filing
Total Deposits
$354.36M
Latest filing
Net Interest Margin
2.86%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date11/12/1931
Community BankYes
Ownership TypeNot Mutual
ZIP52241
State and County Number19103
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameIowa City, IA

Operational Info

Number of Employees45
Domestic Offices9
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.centralstate.bank
Data Updated11/14/2025
CERT1550
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$451.31M
Total Deposits$354.36M
Total Liabilities$409.27M
Total Equity Capital$42.04M
Net Income$1.17M
Net Loans and Leases$351.75M
Assets Per Employee ($Millions)$10.26M
Bank Premises and Fixed Assets$7.62M
Cash and Balances due from Depository Institutions$17.07M
Deposits Held in Domestic Offices$354.36M

Key Performance Ratios

Return on Assets (ROA)1.03%
Return on Equity (ROE)11.4%
Net Interest Margin2.86%
Efficiency Ratio60.45%
Tier 1 Risk-Based Capital Ratio13.294%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.316%
Earning Assets to total Assets91.37%

Income and Expense

Total Interest Income$5.61M
Total Noninterest Income$171.00k
Total Interest Expense$2.63M
Total Noninterest Expense$1.93M
Net Interest Income$2.98M
Pre-tax Net Operating Income$1.23M
Provision for Credit Losses$1.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$142.00k
Other borrowed funds$53.09M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.81M
Total Liabilities and Capital$451.31M

Securities

Securities$55.96M
Available-for-sale debt securities$55.94M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Central State Bank?
$451.31M as of the latest filing.
How much are Central State Bank's total deposits?
$354.36M in total deposits.
Where is Central State Bank located?
Coralville, IA.
What is the Net Interest Margin?
2.86%.
How many domestic offices does it operate?
9.
When was it established?
11/12/1931.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$351.75M (latest filing).
What is the total interest income (latest filing)?
$5.61M.