Central State Bank (10903)

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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 56^th largest bank in the state of Iowa. It is also the 1,678^th 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 Established	1902
Employees	33
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	5.94%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$551.7MM$519.1MM
Loans	Q1 2025vs Q1 2024	$435.3MM$408.2MM
Deposits	Q1 2025vs Q1 2024	$464.5MM$426.7MM
Equity Capital	Q1 2025vs Q1 2024	$50.5MM$46.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.8MM$4.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$439K$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

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

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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Savings
Money Market
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$0	-	Regular Savings Account

Central State Bank (10903) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$0	$100k	NOW Elite Checking
0.10%	$0	-	NOW Checking Account

Central State Bank (10903) CD Rates

APY	MIN	MAX	ACCOUNT NAME
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 Bank	109 Main St W	State Center, IA 50247
Ames Branch	2709 Northridge Parkway	Ames, IA 50010
West Des Moines Branch	140 S 68th St	West Des Moines, IA 50266

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