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Central State Bank (10903)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.centralstatebankia.com
641-483-2505
109 West Main Street
State Center, IA 50247

Central State Bank (10903) is headquartered in STATE CENTER and is the 56th largest bank in the state of Iowa. It is also the 1,678th largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 33 employees at 3 locations. Central State Bank (10903)'s money market rates are 8X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10903
Year Established1902
Employees33
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.94%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$551.7MM$519.1MM
LoansQ1 2025vs Q1 2024$435.3MM$408.2MM
DepositsQ1 2025vs Q1 2024$464.5MM$426.7MM
Equity CapitalQ1 2025vs Q1 2024$50.5MM$46.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.8MM$4.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$439K$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central State Bank (10903) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-Regular Savings Account

Central State Bank (10903) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$500k*-CSB Money Market
OTHER TIERS: 1.40% → $0 - $25k | 1.50% → $25k - $100k | 1.55% → $100k - $250k | 1.65% → $250k - $500k
3.50%*$500k*-Business Money Market
OTHER TIERS: 1.40% → $0 - $25k | 1.50% → $25k - $100k | 1.55% → $100k - $250k | 1.65% → $250k - $500k
1.50%$0-Senior Money Market

Central State Bank (10903) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$0$100kNOW Elite Checking
0.10%$0-NOW Checking Account

Central State Bank (10903) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.84%$0-11 Month CD Special
3.68%$0-12 Month CD
3.63%$0-18 Month CD
3.58%$0-6 Month CD
3.53%$0-24 Month CD
3.43%$0-36 Month CD
3.33%$0-48 Month CD
3.23%$0-60 Month CD
Locations


Central State Bank (10903) Locations
Central State Bank109 Main St WState Center, IA 50247
Ames Branch2709 Northridge ParkwayAmes, IA 50010
West Des Moines Branch140 S 68th StWest Des Moines, IA 50266

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