C
Central State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Central State Bank
State Center, IA
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Rating C
Asset Quality Index 4.90
Capitalization Index 9.20
Liquidity Index 0.20
Profitability Index 3.00
Stability Index 6.80
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 -2.07%
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 0.57%
Non-Performing Loans to Capital 5.09%
Non-Performing Loans to Loans 0.73%
Balance Sheet Central State Bank
State Center, IA
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Total Assets 548.10M
Total Deposits 458.58M
Capital and Reserves Central State Bank
State Center, IA
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Capital 52.89M
Leverage Ratio 10.45
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio --
Liquidity Central State Bank
State Center, IA
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Hot Money Ratio 58.52%
Liquidity Ratio 22.96%
Profitability Central State Bank
State Center, IA
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5-Year Return on Average Assets 1.13%
Net Income 2.49M
Net Interest Spread 1.96%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 68.07%
Return on Assets 0.61%
Return on Equity 6.53%