C
Central State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Central State Bank
State Center, IA
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Rating C
Asset Quality Index 7.10
Capitalization Index 9.10
Liquidity Index 0.20
Profitability Index 3.20
Stability Index 6.50
Company Info Central State Bank
State Center, IA
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FDIC Number 10903
Phone Number (641) 483-2505
Website www.centralstatebankia.com
Asset Quality Central State Bank
State Center, IA
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1-Year Asset Growth -0.90%
5-Year Asset Growth 14.64%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.11%
Non-Performing Loans to Loans 0.16%
Balance Sheet Central State Bank
State Center, IA
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Total Assets 542.56M
Total Deposits 453.67M
Capital and Reserves Central State Bank
State Center, IA
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Capital 50.74M
Leverage Ratio 10.40
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 12.42
Liquidity Central State Bank
State Center, IA
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Hot Money Ratio 59.47%
Liquidity Ratio 23.88%
Profitability Central State Bank
State Center, IA
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5-Year Return on Average Assets 1.13%
Net Income 1.58M
Net Interest Spread 1.92%
Operating Profit to Average Assets 0.60%
Overhead Efficiency Ratio 68.66%
Return on Assets 0.58%
Return on Equity 6.30%