Central State Bank
Coralville, IA
IDRSSD: 678744
Total Assets
$441.49M
Latest filing
Total Deposits
$344.35M
Latest filing
Net Interest Margin
3.12%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central State Bank
805 22nd Ave
Coralville, IA 52241
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/12/1931FDIC Certificate 1019
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Central State Bank (Main) | 805 22nd Ave | Coralville, IA |
| MARQUETTE BRANCH | 205 Edgar St | Marquette, IA |
| ELKADER BRANCH | 200 North Main | Elkader, IA |
| CORALVILLE BRANCH | 2530 Corridor Way | Coralville, IA |
| SWISHER BRANCH | 59 Rose Ave Sw | Swisher, IA |
| CEDAR RAPIDS BRANCH | 5210 Council St Ne | Cedar Rapids, IA |
| ELKADER BRANCH | 102 North Main Street | Elkader, IA |
| ELKADER BRANCH | 102 North Main Street | Elkader, IA |
Showing 7 of 8
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 | 11/12/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52241 |
| State and County Number | 19103 |
| Subchapter S Corporations | Yes |
| 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 | Iowa City, IA |
Operational Info
| Number of Employees | 44 |
| Domestic Offices | 9 |
| 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 | centralstate.bank |
| Data Updated | 01/30/2026 |
| CERT | 1550 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $441.49M |
| Total Deposits | $344.35M |
| Total Liabilities | $400.34M |
| Total Equity Capital | $41.15M |
| Net Income | $1.58M |
| Net Loans and Leases | $350.11M |
| Assets Per Employee ($Millions) | $10.27M |
| Bank Premises and Fixed Assets | $7.54M |
| Cash and Balances due from Depository Institutions | $9.57M |
| Deposits Held in Domestic Offices | $344.35M |
Key Performance Ratios
| Return on Assets (ROA) | 1.41% |
| Return on Equity (ROE) | 15.16% |
| Net Interest Margin | 3.12% |
| Efficiency Ratio | 53.53% |
| Tier 1 Risk-Based Capital Ratio | 12.921% |
| 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 | 9.32% |
| Earning Assets to total Assets | 91.83% |
Income and Expense
| Total Interest Income | $5.61M |
| Total Noninterest Income | $363.00k |
| Total Interest Expense | $2.41M |
| Total Noninterest Expense | $1.92M |
| Net Interest Income | $3.19M |
| Pre-tax Net Operating Income | $1.64M |
| 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 | $54.12M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.87M |
| Total Liabilities and Capital | $441.49M |
Securities
| Securities | $54.77M |
| Available-for-sale debt securities | $54.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$441.49M as of the latest filing.
How much are Central State Bank's total deposits?
$344.35M in total deposits.
Where is Central State Bank located?
Coralville, IA.
What is the Net Interest Margin?
3.12%.
How many domestic offices does it operate?
9.
When was it established?
11/12/1931.
What is the Return on Assets (ROA)?
1.41%.
How much are total loans and leases?
$350.11M (latest filing).
What is the total interest income (latest filing)?
$5.61M.