First Central State Bank

Overview / Commentary

www.firstcentralsb.bank

563-659-3141

914 Sixth Avenue
DeWitt, IA 52742

First Central State Bank is headquartered in Dewitt and is the 31^st largest bank in the state of Iowa. It is also the 1,286^th largest bank in the nation. It was established in 1967 and as of December of 2021, it had grown to 91 employees at 6 locations. First Central State Bank has an A+ health rating.

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Health

A+

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	19716
Year Established	1967
Employees	91
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.14%
Return on Equity - YTD	10.2%
Annual Interest Income	$22.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$729.1MM$654.2MM
Loans	Q4 2021vs Q4 2020	$398.3MM$387.8MM
Deposits	Q4 2021vs Q4 2020	$562.6MM$508.4MM
Equity Capital	Q4 2021vs Q4 2020	$78.9MM$75.6MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.6MM$5.4MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$1.2MM$1.7MM
Real Estate Owned	Q4 2021vs Q4 2020	$80.00K$109.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Central State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	-	$35k	Kasasa Saver
OTHER TIERS: 0.15% → $35k+

First Central State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	-	$15k	Kasasa Cash
OTHER TIERS: 0.15% → $15k+

Locations

First Central State Bank Locations
Le Claire Branch	1291 Eagle Ridge Road	Le Claire, IA 52753
First Central State Bank	914 Sixth Avenue	De Witt, IA 52742
Eldridge Branch	500 East Leclaire Road	Eldridge, IA 52748
Westside Branch	2600 Lincolnway	Clinton, IA 52732
Clinton Branch	1427 North Second Street	Clinton, IA 52732
Goose Lake Branch	223 Main Street	Goose Lake, IA 52750

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