Central State Bank
Total assets
$557.8M
▲ +2.8% YoY
Deposits
$465.9M
▲ +2.7% YoY
Loans
$441.3M
▲ +5.4% YoY
Offices
3
STATE CENTER FINANCIAL INC
ROA (annualized)
0.88%
peers 1.28%
ROE (annualized)
9.16%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Central State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.9% | -2.1 pts |
| Deposit growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +5.4% | +5.3% | +0.1 pts |
| ROA | 0.88% | 1.28% | -0.4 pts |
| ROE | 9.2% | 12.4% | -3.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- STATE CENTER FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 109 Main St W, State Center, IA, 50247
- County
- Marshall
- Metro area
- Marshalltown, IA
- Offices
- 3
- FDIC cert #
- 10903
- RSSD ID
- 607146
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $557.8M | $465.9M | $441.3M | $54.2M | $2.5M | 0.88% | 2.27% | 1.13% |
| Q1 2026 | $562.2M | $470.6M | $443.0M | $53.0M | $1.3M | 0.89% | 2.26% | 0.72% |
| Q4 2025 | $568.6M | $477.6M | $444.1M | $54.1M | $3.8M | 0.68% | 2.02% | 0.13% |
| Q3 2025 | $548.1M | $458.6M | $426.5M | $52.9M | $2.5M | 0.61% | 1.95% | 0.57% |
| Q2 2025 | $542.6M | $453.7M | $418.5M | $50.7M | $1.6M | 0.58% | 1.92% | 0.13% |
| Q1 2025 | $551.7M | $464.5M | $435.3M | $50.5M | $740K | 0.54% | 1.86% | 0.08% |
| Q4 2024 | $542.5M | $455.6M | $435.4M | $49.1M | $3.9M | 0.73% | 1.87% | 0.00% |
| Q3 2024 | $559.7M | $460.5M | $433.2M | $50.8M | $2.5M | 0.63% | 1.83% | 0.00% |
Loan mix (Q2 2026): real estate $305.2M · commercial $89.7M · consumer $7.1M · securities $94.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.89% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 61.2% | 45th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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