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Overview / Commentary
600 Lake Avenue
Storm Lake, IA 50588

Central Bank (IA) is headquartered in Storm Lake and is the 23rd largest bank in the state of Iowa. It is also the 939th largest bank in the nation. It was established in 1879 and as of December of 2017, it had grown to 169 employees at 15 locations. Central Bank (IA)'s CD rates are 2X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #15555
Year Established1879
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD12.2%
Annual Interest Income$34.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$818.6MM$747.2MM
LoansQ4 2017vs Q4 2016$712.2MM$636.4MM
DepositsQ4 2017vs Q4 2016$736.9MM$663.0MM
Equity CapitalQ4 2017vs Q4 2016$72.7MM$65.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$7.1MM$7.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.1MM$2.8MM
Real Estate OwnedQ4 2017vs Q4 2016$452.00K$7.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central Bank (IA) Savings Account Rates

0.05%$100-Classic Savings Account

Central Bank (IA) Money Market Rates

0.50%*$250k*-Platinum Money Market Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k
0.20%*$50k*-Money Market Savings Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $50k

Central Bank (IA) Checking Account Rates

0.10%*$50k*-Platinum Checking Account
OTHER TIERS: 0.05% Up to $50k
0.05%$100-Shamrock Checking

Central Bank (IA) CD Rates

1.96%$500-12 Month Plus CD
1.86%*$25k*-48 Month CD
OTHER TIERS: 1.36% $500 - $10k | 1.61% $10k - $25k
1.76%*$25k*-36 Month CD
OTHER TIERS: 1.26% $500 - $10k | 1.51% $10k - $25k
1.69%*$25k*-30 Month CD
OTHER TIERS: 1.19% $500 - $10k | 1.44% $10k - $25k
1.61%*$25k*-24 Month CD
OTHER TIERS: 1.10% $500 - $10k | 1.36% $10k - $25k
1.59%$5k-30 Month Rule Breaker CD - With Active Checking Account
1.49%*$25k*-18 Month CD
OTHER TIERS: 0.98% $500 - $10k | 1.24% $10k - $25k
1.39%$5k-18 Month Rule Breaker CD - With Active Checking Account
1.36%*$25k*-12 Month CD
OTHER TIERS: 0.85% $500 - $10k | 1.10% $10k - $25k
1.15%*$25k*-6 Month CD
OTHER TIERS: 0.65% $500 - $10k | 0.90% $10k - $25k
1.00%*$25k*-3 Month CD
OTHER TIERS: 0.50% $500 - $10k | 0.75% $10k - $25k


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