First Central State Bank
Dewitt, IA
IDRSSD: 639549
Total Assets
$761.52M
Latest filing
Total Deposits
$579.15M
Latest filing
Net Interest Margin
3.38%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Central State Bank
914 6th Ave
Dewitt, IA 52742
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/12/1967FDIC Certificate 13512
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Central State Bank (Main) | 914 6th Ave | Dewitt, IA |
| GOOSE LAKE BRANCH | 223 Main St | Goose Lake, IA |
| LE CLAIRE BRANCH | 1291 Eagle Ridge Rd | Le Claire, IA |
| ELDRIDGE BRANCH | 500 E Le Claire Rd | Eldridge, IA |
| WESTSIDE BRANCH | 2600 Lincoln Way | Clinton, IA |
| CLINTON BRANCH | 1427 N 2nd St | Clinton, IA |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 06/12/1967 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52742 |
| State and County Number | 19045 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Clinton, IA |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 6 |
| 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 | 06/12/1967 |
| Primary Insurance Agency | DIF |
| Website | www.firstcentralsb.bank |
| Data Updated | 11/14/2025 |
| CERT | 19716 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $761.52M |
| Total Deposits | $579.15M |
| Total Liabilities | $668.65M |
| Total Equity Capital | $92.88M |
| Net Income | $2.44M |
| Net Loans and Leases | $482.96M |
| Assets Per Employee ($Millions) | $8.75M |
| Bank Premises and Fixed Assets | $4.56M |
| Cash and Balances due from Depository Institutions | $8.78M |
| Deposits Held in Domestic Offices | $579.15M |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 10.81% |
| Net Interest Margin | 3.38% |
| Efficiency Ratio | 54.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.196% |
| Earning Assets to total Assets | 95.12% |
Income and Expense
| Total Interest Income | $9.43M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $3.40M |
| Total Noninterest Expense | $3.89M |
| Net Interest Income | $6.03M |
| Pre-tax Net Operating Income | $3.07M |
| Provision for Credit Losses | $163.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $285.00k |
| Other borrowed funds | $16.66M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $66.00M |
| All Other Liabilities | $6.85M |
| Total Liabilities and Capital | $761.52M |
Securities
| Securities | $236.05M |
| Available-for-sale debt securities | $236.00M |
| 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 First Central State Bank?
$761.52M as of the latest filing.
How much are First Central State Bank's total deposits?
$579.15M in total deposits.
Where is First Central State Bank located?
Dewitt, IA.
What is the Net Interest Margin?
3.38%.
How many domestic offices does it operate?
6.
When was it established?
06/12/1967.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$482.96M (latest filing).
What is the total interest income (latest filing)?
$9.43M.