State Central Bank

Overview / Commentary

www.statecentralbank.com

319-592-3372

612 1st Street
Bonaparte, IA 52620

State Central Bank is headquartered in Bonaparte and is the 246^th largest bank in the state of Iowa. It is also the 4,864^th largest bank in the nation. It was established in 1858 and as of December of 2019, it had grown to 17 employees at 3 locations. State Central Bank has a C+ health rating.

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Health

C+

Data as of Q4 2019

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 low asset base.

Health Grade Components

Overall
FDIC Certificate #	5820
Year Established	1858
Employees	17
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.97%
Return on Equity - YTD	-7.51%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$42.1MM$38.0MM
Loans	Q4 2019vs Q4 2018	$18.2MM$19.8MM
Deposits	Q4 2019vs Q4 2018	$37.1MM$33.1MM
Equity Capital	Q4 2019vs Q4 2018	$4.9MM$4.8MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$478.00K$1.1MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$2.1MM$2.4MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

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
0.10%	$2.5k	-	Golden Passbook Savings
0.05%	$50	-	Regular Savings

State Central Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$50k^*	-	Money Market Checking
OTHER TIERS: 0.10% → $1k - $25k \| 0.15% → $25k - $50k
0.25%^*	$50k^*	-	Business Money Market Checking
OTHER TIERS: 0.10% → $1k - $25k \| 0.15% → $25k - $50k

State Central Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$50k	-	Grand Checking
0.15%	$15k	-	Diamond Now Checking
0.10%	$5k	-	Golden Now Checking
0.05%	$500	-	Super Now Checking

State Central Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$50k^*	-	60 Month CD
OTHER TIERS: 0.90% → $1k - $50k
0.85%^*	$50k^*	-	48 Month CD
OTHER TIERS: 0.80% → $1k - $50k
0.75%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.70% → $1k - $50k
0.65%^*	$50k^*	-	30 Month CD
OTHER TIERS: 0.60% → $1k - $50k
0.55%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.50% → $1k - $50k
0.45%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.40% → $1k - $50k
0.35%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.30% → $1k - $50k
0.25%^*	$50k^*	-	182 Day CD
OTHER TIERS: 0.20% → $1k - $50k
0.25%	$1k	-	10 Month Budget Master CD Special
0.15%^*	$50k^*	-	91 Day CD
OTHER TIERS: 0.10% → $1k - $50k

State Central Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 0.90% → $1k - $50k
0.85%^*	$50k^*	-	48 Month IRA
OTHER TIERS: 0.80% → $1k - $50k
0.75%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 0.70% → $1k - $50k
0.65%^*	$50k^*	-	30 Month IRA
OTHER TIERS: 0.60% → $1k - $50k
0.55%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 0.50% → $1k - $50k
0.45%^*	$50k^*	-	18 Month IRA
OTHER TIERS: 0.40% → $1k - $50k
0.35%^*	$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 Branch	101 S. Second	Farmington, IA 52626
Stockport Branch	116 S. Main Street	Stockport, IA 52651
State Central Bank	612 1st Street	Bonaparte, IA 52620

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