B
First Central State Bank
De Witt,  IA
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.39
Return On
Assets
1.42%
Total
Assets
772.35M
Capital
99.11M
Total
Deposits
595.42M
Net
Income
5.56M
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Weiss Ratings First Central State Bank
De Witt, IA 		Click to
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 6.60
Stability Index 5.70
Company Info First Central State Bank
De Witt, IA 		Click to
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FDIC Number 19716
Phone Number (563) 659-3141
Website www.firstcentralsb.bank
Asset Quality First Central State Bank
De Witt, IA 		Click to
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1-Year Asset Growth 4.96%
5-Year Asset Growth 3.69%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 1.20%
Non-Performing Loans to Loans 0.33%
Balance Sheet First Central State Bank
De Witt, IA 		Click to
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Total Assets 772.35M
Total Deposits 595.42M
Capital and Reserves First Central State Bank
De Witt, IA 		Click to
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Capital 99.11M
Leverage Ratio 13.39
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio --
Liquidity First Central State Bank
De Witt, IA 		Click to
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Hot Money Ratio 13.27%
Liquidity Ratio 22.70%
Profitability First Central State Bank
De Witt, IA 		Click to
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5-Year Return on Average Assets 1.13%
Net Income 5.56M
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.78%
Overhead Efficiency Ratio 52.57%
Return on Assets 1.42%
Return on Equity 11.45%