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Overview / Commentary
102 North Main Street
Elkader, IA 52043

Central State Bank (IA) is headquartered in Elkader and is the 88th largest bank in the state of Iowa. It is also the 2,706th largest bank in the nation. It was established in 1931 and as of December of 2016, it had grown to 44 employees at 7 locations. Central State Bank (IA)'s money market rates are 2X the national average, and it boasts an A+ health rating.

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Health Grade Components

FDIC Certificate #1550
Year Established1931
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD10.11%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$231.0MM$221.9MM
LoansQ4 2016vs Q4 2015$169.5MM$164.8MM
DepositsQ4 2016vs Q4 2015$190.7MM$175.9MM
Equity CapitalQ4 2016vs Q4 2015$25.4MM$24.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.6MM$2.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$373.00K$507.00K
Real Estate OwnedQ4 2016vs Q4 2015$20.00K$589.00K
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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 (IA) Savings Account Rates

OTHER TIERS: 0.20% Up to $2,500 | 0.45% $2,500 - $5k
0.40%*$10k*-Savings Plus
OTHER TIERS: 0.20% Up to $1k | 0.35% $1k - $10k
0.40%*$10k*-Business Savings Plus
OTHER TIERS: 0.20% Up to $1k | 0.35% $1k - $10k
0.25%--Kids Savings
0.20%$100-Regular Savings
0.20%$100-Business Regular Savings

Central State Bank (IA) Money Market Rates

0.90%*$500k*-High Yield Money Market
OTHER TIERS: 0.40% $5k - $25k | 0.55% $25k - $100k | 0.65% $100k - $500k
0.90%*$500k*-Business High Yield Money Market
OTHER TIERS: 0.40% $5k - $25k | 0.55% $25k - $100k | 0.65% $100k - $500k
0.70%*$250k*-Money Market Saver
OTHER TIERS: 0.10% Up to $2,500 | 0.20% $2,500 - $25k | 0.30% $25k - $100k | 0.55% $100k - $250k
0.70%*$250k*-Business Money Market Saver
OTHER TIERS: 0.10% Up to $2,500 | 0.20% $2,500 - $25k | 0.30% $25k - $100k | 0.55% $100k - $250k

Central State Bank (IA) Checking Account Rates

0.15%$750-Cornerstone – Now

Central State Bank (IA) CD Rates

1.71%*$25k*-60 Month CD
OTHER TIERS: 1.56% $1k - $15k | 1.61% $15k - $25k
1.70%$5k-43 Month Special CD
1.35%$1k-48 Month Bump Up CD
1.25%*$25k*-36 Month CD
OTHER TIERS: 0.30% $500 - $1k | 1.10% $1k - $15k | 1.15% $15k - $25k
1.15%$5k-20 Month Special CD
1.05%*$25k*-30 Month CD
OTHER TIERS: 0.90% $1k - $15k | 0.95% $15k - $25k
0.90%$1k-24 Month Bump Up CD
0.80%*$25k*-18 Month CD
OTHER TIERS: 0.70% $1k - $15k | 0.75% $15k - $25k
0.75%*$25k*-12 Month CD
OTHER TIERS: 0.60% $1k - $15k | 0.65% $15k - $25k
0.55%*$25k*-182 Day CD
OTHER TIERS: 0.45% $1k - $15k | 0.50% $15k - $25k
0.50%*$25k*-91 Day CD
OTHER TIERS: 0.45% $1k - $25k

Central State Bank (IA) Locations
Central State Bank102 North Main StreetElkader, IA 52043
Iowa City Branch202 N. Linn St.Iowa City, IA 52245
Coralville Branch2530 Corridor WayCoralville, IA 52241
Walford Branch345 Highway 151 WWalford, IA 52351
Marquette Branch208 Edgar StreetMarquette, IA 52158
Mcgregor BranchMain StreetMc Gregor, IA 52157
Elkader Branch200 North MainElkader, IA 52043