C
Central State Bank
Rating Date
August 2026
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 5.30
Capitalization Index 9.20
Liquidity Index 0.20
Profitability Index 3.60
Stability Index 7.00
Company Info Central State Bank
State Center, IA
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FDIC Number 10903
Phone Number (641) 219-7535
Website www.centralstatebankia.com
Asset Quality Central State Bank
State Center, IA
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1-Year Asset Growth 2.81%
5-Year Asset Growth 11.74%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.13%
Non-Performing Loans to Capital 9.98%
Non-Performing Loans to Loans 1.42%
Balance Sheet Central State Bank
State Center, IA
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Total Assets 557.82M
Total Deposits 465.93M
Capital and Reserves Central State Bank
State Center, IA
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Capital 54.19M
Leverage Ratio 10.43
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio --
Liquidity Central State Bank
State Center, IA
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Hot Money Ratio 55.26%
Liquidity Ratio 17.16%
Profitability Central State Bank
State Center, IA
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5-Year Return on Average Assets 0.98%
Net Income 2.46M
Net Interest Spread 2.28%
Operating Profit to Average Assets 0.89%
Overhead Efficiency Ratio 59.67%
Return on Assets 0.87%
Return on Equity 9.19%