State Central Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

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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

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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 215^th largest bank in the state of Iowa. It is also the 4,145^th 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

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 Established	1858
Employees	21
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.2%
Return on Equity - YTD	8.2%
Annual Interest Income	$853K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$60.3MM$51.1MM
Loans	Q1 2025vs Q1 2024	$22.3MM$14.1MM
Deposits	Q1 2025vs Q1 2024	$51.8MM$45.4MM
Equity Capital	Q1 2025vs Q1 2024	$8.4MM$5.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$805K$1.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$243K$747K
Real Estate Owned	Q1 2025vs Q1 2024	$0$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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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$2.5k	-	Golden Passbook Savings
0.20%	$50	-	Regular Savings

State Central Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	101 S. Second	Farmington, IA 52626
Stockport Branch	116 S. Main Street	Stockport, IA 52651
State Central Bank	612 1st St	Bonaparte, IA 52620
Bonaparte Branch	612 First Street	Bonaparte, IA 52620

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