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Central State Bank (IA)

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CURRENT TOP RATE

10 Month Special CD

Overview / Commentary

www.centralstate.bank

563-245-2110

102 North Main Street
Elkader, IA 52043

Central State Bank (IA) is headquartered in Elkader and is the 80^th largest bank in the state of Iowa. It is also the 2,329^th largest bank in the nation. It was established in 1931 and as of December of 2018, it had grown to 43 employees at 8 locations. Central State Bank (IA)'s money market rates are 2X the national average, and it has an A health rating.

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2015

2/16 - Central State Bank (IA) (43-Mo CD, 2%APY)

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Health

A

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	1550
Year Established	1931
Employees	43
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	8.2%
Annual Interest Income	$10.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$276.5MM$246.3MM
Loans	Q4 2018vs Q4 2017	$226.6MM$193.6MM
Deposits	Q4 2018vs Q4 2017	$220.7MM$201.3MM
Equity Capital	Q4 2018vs Q4 2017	$31.5MM$26.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.7MM$2.6MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$913.00K$113.00K
Real Estate Owned	Q4 2018vs Q4 2017	$17.00K$19.00K

Rates

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Money Market
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%^*	$5k^*	-	HSA
OTHER TIERS: 0.20% → Up to $2.5k \| 0.45% → $2.5k - $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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$500k^*	-	High Yield Money Market
OTHER TIERS: 0.40% → $5k - $25k \| 0.55% → $25k - $500k
0.90%^*	$500k^*	-	Business High Yield Money Market
OTHER TIERS: 0.40% → $5k - $25k \| 0.55% → $25k - $500k
0.70%^*	$250k^*	-	Money Market Saver
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $25k \| 0.30% → $25k - $100k \| 0.55% → $100k - $250k
0.70%^*	$250k^*	-	Business Money Market Saver
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $25k \| 0.30% → $25k - $100k \| 0.55% → $100k - $250k

Central State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	CSB Classic 55
0.15%	$750	-	Cornerstone – Now

Central State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.51%^*	$25k^*	-	10 Month Special CD
OTHER TIERS: 2.41% → $5k - $25k
2.25%^*	$25k^*	-	43 Month Special CD
OTHER TIERS: 2.15% → $5k - $25k
2.01%^*	$25k^*	-	60 Month CD
OTHER TIERS: 1.91% → $1k - $25k
1.86%^*	$25k^*	-	48 Month Bump Up CD
OTHER TIERS: 1.76% → $1k - $25k
1.66%^*	$25k^*	-	36 Month CD
OTHER TIERS: 1.56% → $1k - $25k
1.55%^*	$100k^*	-	18 Month CD
OTHER TIERS: 1.15% → $1k - $15k \| 1.40% → $15k - $25k \| 1.50% → $25k - $100k
1.55%^*	$25k^*	-	30 Month CD
OTHER TIERS: 1.40% → $1k - $25k
1.55%^*	$100k^*	-	24 Month Bump Up CD
OTHER TIERS: 1.30% → $1k - $15k \| 1.40% → $15k - $25k \| 1.50% → $25k - $100k
1.45%^*	$100k^*	-	12 Month CD
OTHER TIERS: 1.10% → $1k - $15k \| 1.30% → $15k - $25k \| 1.40% → $25k - $100k
1.25%^*	$100k^*	-	182 Day CD
OTHER TIERS: 0.90% → $1k - $15k \| 1.00% → $15k - $25k \| 1.20% → $25k - $100k
1.00%^*	$25k^*	-	91 Day CD
OTHER TIERS: 0.80% → $1k - $15k \| 0.90% → $15k - $25k

Locations

Central State Bank (IA) Locations
Central State Bank	102 North Main Street	Elkader, IA 52043
Coralville Branch	2530 Corridor Way	Coralville, IA 52241
Walford Branch	345 Highway 151 W	Walford, IA 52351
Marquette Branch	208 Edgar Street	Marquette, IA 52158
Mcgregor Branch	Main Street	Mc Gregor, IA 52157
Elkader Branch	200 North Main	Elkader, IA 52043
Cedar Rapids Branch	5210 Council Street Northeast	Cedar Rapids, IA 52402
Coralville Branch	805 22nd Avenue	Coralville, IA 52241
Swisher Branch	59 Rose Avenue	Swisher, IA 52338

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