First Central State Bank

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

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.firstcentralsb.bank

563-659-3141

914 Sixth Avenue
DeWitt, IA 52742

First Central State Bank is headquartered in DEWITT and is the 35^th largest bank in the state of Iowa. It is also the 1,313^th largest bank in the nation. It was established in 1967 and as of March of 2025, it had grown to 89 employees at 6 locations. First Central State Bank has an A+ health rating.

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Health

A+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	19716
Year Established	1967
Employees	89
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	9.79%
Annual Interest Income	$8.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$747.5MM$694.5MM
Loans	Q1 2025vs Q1 2024	$454.8MM$418.4MM
Deposits	Q1 2025vs Q1 2024	$579.7MM$542.8MM
Equity Capital	Q1 2025vs Q1 2024	$84.9MM$76.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.2MM$5.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.1MM$1.2MM
Real Estate Owned	Q1 2025vs Q1 2024	$227K$39K

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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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* 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%^*	$0	$35k	Kasasa Saver
OTHER TIERS: 0.15% → $35k+

First Central State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.00%^*	$0	$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 6th Ave	Dewitt, 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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