Central State Bank (10903)

Overview / Commentary
109 West Main Street
State Center, IA 50247

Central State Bank (10903) is headquartered in State Center and is the 75th largest bank in the state of Iowa. It is also the 2,114th largest bank in the nation. It was established in 1902 and as of December of 2020, it had grown to 28 employees at 2 locations. Central State Bank (10903) has an A health rating.


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Health Grade Components

FDIC Certificate #10903
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD11.75%
Annual Interest Income$14.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$358.2MM$313.2MM
LoansQ4 2020vs Q4 2019$243.9MM$221.3MM
DepositsQ4 2020vs Q4 2019$284.9MM$247.9MM
Equity CapitalQ4 2020vs Q4 2019$45.5MM$39.4MM
Loan Loss AllowanceQ4 2020vs Q4 2019$3.2MM$2.6MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$5.3MM$5.5MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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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

0.15%--Regular Savings Account

Central State Bank (10903) Money Market Rates

0.35%*$25k*-Money Market Account
OTHER TIERS: 0.20% Up to $25k
0.25%--Senior Money Market Account

Central State Bank (10903) Checking Account Rates

0.10%--NOW Checking Account

Central State Bank (10903) CD Rates

0.80%$1.5k-60 Month CD
0.70%$1.5k-48 Month CD
0.60%$1.5k-36 Month CD
0.40%$1.5k-24 Month CD
0.30%$1.5k-18 Month CD
0.25%$1.5k-12 Month CD
0.15%$1.5k-6 Month CD

Central State Bank (10903) Locations
Central State Bank109 West Main StreetState Center, IA 50247
Ames Branch2709 Northridge ParkwayAmes, IA 50010

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