Central State Bank (IA)

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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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.centralstate.bank

563-245-2110

102 North Main Street
Elkader, IA 52043

Central State Bank (IA) is headquartered in CORALVILLE and is the 70^th largest bank in the state of Iowa. It is also the 1,911^th largest bank in the nation. It was established in 1931 and as of March of 2025, it had grown to 45 employees at 9 locations. Central State Bank (IA)'s money market rates are 8X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	1550
Year Established	1931
Employees	45
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.83%
Return on Equity - YTD	9.81%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$460.4MM$467.6MM
Loans	Q1 2025vs Q1 2024	$361.8MM$379MM
Deposits	Q1 2025vs Q1 2024	$386.7MM$372.9MM
Equity Capital	Q1 2025vs Q1 2024	$39.5MM$37.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.9MM$4.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.4MM$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$941K$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

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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Money Market
Checking

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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
0.10%	$100	-	Regular Savings
0.10%^*	$1k^*	-	Cornerstone Savings
OTHER TIERS: 0.05% → $0 - $1k
0.10%	$0	-	Youth Savings

Central State Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.47%^*	$750k^*	-	Platinum Money Market
OTHER TIERS: 1.92% → $0 - $50k \| 2.18% → $50k - $100k \| 2.69% → $100k - $250k \| 2.94% → $250k - $750k
0.45%^*	$500k^*	-	Cornerstone Money Market
OTHER TIERS: 0.05% → $0 - $25k \| 0.15% → $25k - $100k \| 0.25% → $100k - $500k

Central State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$0	-	Classic 55 Checking
0.10%	$0	-	Cornerstone Checking

Locations

Central State Bank (IA) Locations
Central State Bank	102 N Main St	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
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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