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State Central Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
Bonus Amount
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.statecentralbank.com
319-592-3372
612 1st Street
Bonaparte, IA 52620

State Central Bank is headquartered in BONAPARTE and is the 215th largest bank in the state of Iowa. It is also the 4,145th largest bank in the nation. It was established in 1858 and as of March of 2025, it had grown to 21 employees at 4 locations. State Central Bank's money market rates are 2X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. State Central Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #5820
Year Established1858
Employees21
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.2%
Return on Equity - YTD8.2%
Annual Interest Income$853K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$60.3MM$51.1MM
LoansQ1 2025vs Q1 2024$22.3MM$14.1MM
DepositsQ1 2025vs Q1 2024$51.8MM$45.4MM
Equity CapitalQ1 2025vs Q1 2024$8.4MM$5.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$805K$1.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$243K$747K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
Bonus Amount
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.

State Central Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$2.5k-Golden Passbook Savings
0.20%$50-Regular Savings

State Central Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-Money Market Checking
OTHER TIERS: 0.40% → $1k - $25k | 0.50% → $25k - $50k
1.00%*$50k*-Business Money Market Checking
OTHER TIERS: 0.40% → $1k - $25k | 0.50% → $25k - $50k

State Central Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$50k-Grand Checking
0.45%$15k-Diamond Checking
0.35%$5k-Golden Checking
0.30%$500-Super Checking

State Central Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.02%*$10k*-60 Month CD
OTHER TIERS: 2.52% → $1k - $10k
2.77%*$10k*-36 Month CD
OTHER TIERS: 2.26% → $1k - $10k
2.77%*$10k*-48 Month CD
OTHER TIERS: 2.26% → $1k - $10k
2.52%*$10k*-24 Month CD
OTHER TIERS: 2.01% → $1k - $10k
2.52%*$10k*-30 Month CD
OTHER TIERS: 2.01% → $1k - $10k
2.26%*$10k*-18 Month CD
OTHER TIERS: 1.76% → $1k - $10k
2.02%$1k-10 Month Budget Master CD Special
1.76%*$10k*-12 Month CD
OTHER TIERS: 1.25% → $1k - $10k
0.75%*$10k*-182 Day CD
OTHER TIERS: 0.50% → $1k - $10k
0.65%*$10k*-91 Day CD
OTHER TIERS: 0.40% → $1k - $10k

State Central Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.02%*$10k*-60 Month IRA
OTHER TIERS: 2.52% → $1k - $10k
2.77%*$10k*-36 Month IRA
OTHER TIERS: 2.26% → $1k - $10k
2.77%*$10k*-48 Month IRA
OTHER TIERS: 2.26% → $1k - $10k
2.52%*$10k*-24 Month IRA
OTHER TIERS: 2.01% → $1k - $10k
2.52%*$10k*-30 Month IRA
OTHER TIERS: 2.01% → $1k - $10k
2.26%*$10k*-18 Month IRA
OTHER TIERS: 1.76% → $1k - $10k
1.76%*$10k*-12 Month IRA
OTHER TIERS: 1.25% → $1k - $10k
0.75%*$10k*-182 Day IRA
OTHER TIERS: 0.50% → $1k - $10k
0.65%*$10k*-91 Day IRA
OTHER TIERS: 0.40% → $1k - $10k
Locations


State Central Bank Locations
Farmington Branch101 S. SecondFarmington, IA 52626
Stockport Branch116 S. Main StreetStockport, IA 52651
State Central Bank612 1st StBonaparte, IA 52620
Bonaparte Branch612 First StreetBonaparte, IA 52620

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