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Overview / Commentary
319-592-3372
612 1st Street
Bonaparte, IA 52620

State Central Bank is headquartered in Bonaparte and is the 270th largest bank in the state of Iowa. It is also the 5,406th largest bank in the nation. It was established in 1858 and as of June of 2017, it had grown to 19 employees at 3 locations. State Central Bank's money market rates are 16% higher than the national average, but it has a C health rating.

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Health
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 low asset base.

Health Grade Components

Overall
FDIC Certificate #5820
Year Established1858
Employees19
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.32%
Return on Equity - YTD-2.78%
Annual Interest Income$690.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$41.6MM$43.0MM
LoansQ2 2017vs Q2 2016$21.8MM$25.5MM
DepositsQ2 2017vs Q2 2016$36.7MM$37.8MM
Equity CapitalQ2 2017vs Q2 2016$4.7MM$5.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.4MM$1.6MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.6MM$3.7MM
Real Estate OwnedQ2 2017vs Q2 2016$1.1MM$1.3MM
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
0.25%$2,500-Golden Passbook Savings
0.17%$50-Regular Savings

State Central Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.51%*$50k*-Money Market Checking
OTHER TIERS: 0.17% $1k - $25k | 0.20% $25k - $50k

State Central Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.51%$50k-Grand Checking
0.32%$15k-Diamond Now Checking
0.17%$5k-Golden Now Checking
0.07%$500-Super Now Checking

State Central Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.39%*$50k*-60 Month CD
OTHER TIERS: 1.29% $1k - $50k
1.10%*$50k*-48 Month CD
OTHER TIERS: 1.00% $1k - $50k
0.95%*$50k*-36 Month CD
OTHER TIERS: 0.85% $1k - $50k
0.65%$1k-30 Month CD
0.60%$1k-24 Month CD
0.55%*$50k*-18 Month CD
OTHER TIERS: 0.45% $1k - $50k
0.40%*$50k*-12 Month CD
OTHER TIERS: 0.30% $1k - $50k
0.25%*$50k*-182 Day CD
OTHER TIERS: 0.20% $1k - $50k
0.15%*$50k*-91 Day CD
OTHER TIERS: 0.10% $1k - $50k

State Central Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.39%*$50k*-60 Month IRA
OTHER TIERS: 1.29% $1k - $50k
1.10%*$50k*-48 Month IRA
OTHER TIERS: 1.00% $1k - $50k
0.95%*$50k*-36 Month IRA
OTHER TIERS: 0.85% $1k - $50k
0.65%$1k-30 Month IRA
0.60%$1k-24 Month IRA
0.55%*$50k*-18 Month IRA
OTHER TIERS: 0.45% $1k - $50k
0.40%*$50k*-12 Month IRA
OTHER TIERS: 0.30% $1k - $50k
0.25%*$50k*-182 Day IRA
OTHER TIERS: 0.20% $1k - $50k
0.15%*$50k*-91 Day IRA
OTHER TIERS: 0.10% $1k - $50k
Locations


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