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Central State Bank

$100M-$1B Specialty: Commercial IA FDIC cert 10903

State Center, IA

3 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +2.7% year over year ($465.9M on the books).
  • Delinquency rate 1.43%.
  • Return on assets 0.88%.
  • Efficiency ratio 59.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Central State Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 4.81% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 33.4% in tier
  • - Liquidity Strain: Bottom 35.3% in tier
  • - Net Interest Margin 1.72% below tier average
  • - Non-Interest-Bearing Deposit Share 17.76% below tier average
  • - Non-Interest Income / Assets 0.55% below tier average
  • - ROA 0.45% below tier average
  • - Delinquency Rate 0.52% above tier average
Get updates when Central State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $557.8M
+2.8% YoY -0.8% QoQ
+$171.2M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $441.3M
+5.4% YoY -0.4% QoQ
+$182.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $465.9M
+2.7% YoY -1.0% QoQ
+$139.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 0.88%
+50.9% YoY -1.1% QoQ
-0.45% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 2.27%
+18.3% YoY +0.2% QoQ
-1.72% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 1.6% in tier
Efficiency Ratio ? 59.67%
-13.1% YoY +0.3% QoQ
-4.81% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 1.43%
+785.3% YoY +57.6% QoQ
+0.52% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 94.71%
+2.7% YoY +0.6% QoQ
+16.76% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 4.27%
-1.3% YoY -8.2% QoQ
-17.76% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 3.0% in tier
Nonperforming Asset Ratio ? 1.13%
+808.0% YoY +58.2% QoQ
+0.47% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 10.43%
-9.0% YoY +2.0% QoQ
-5.48% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.01%
-12.7% YoY +80.9% QoQ
-0.55% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 1.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 4.3%
-0.1pp YoY
-0.4pp QoQ
 -17.9pp 22.1% 17.8% 22.2% 2%
Brokered Deposits 11.0%
-2.2pp YoY
-0.3pp QoQ
 +3.1pp 7.9% 6.0% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 20.3%
+0.4pp YoY
+1.9pp QoQ
 +8.8pp 11.6% 12.8% 12.5% 89%
CRE 55.5%
-3.5pp YoY
-3.7pp QoQ
 +15.9pp 39.5% 28.3% 41.4% 79%
1-4 Family 10.9%
+1.9pp YoY
+0.7pp QoQ
 -21.7pp 32.6% 23.0% 31.3% 12%
Consumer 1.6%
-0.1pp YoY
0.0pp QoQ
 -2.5pp 4.1% 2.9% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 10.4%
0.0pp YoY
+0.2pp QoQ
 -1.7pp 12.2% 12.4% 12.6% 40%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 38
+5 (+15.2%) YoY
+2 (+5.6%) QoQ
 -21 58 64 482 39%
Assets per Employee ($) $14.7M
-10.7% YoY
-6.0% QoQ
 +$7.2M $7.5M $8.9M $8.8M 97%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.4%
+1.3pp YoY
+0.5pp QoQ
 +0.5pp 0.9% 1.0% 1.0% 81%
Allowance Coverage 0.72x
-89.8% YoY
-34.3% QoQ
 -23.44x 24.15x 18.97x 20.23x 18%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 9.2%
+2.9pp YoY
-0.2pp QoQ
 -3.0pp 12.2% 12.8% 11.6% 32%
Cost of Funds (YTD) 3.2%
-0.2pp YoY
0.0pp QoQ
 +1.5pp 1.7% 1.8% 1.7% 99%
Net Income ($, YTD) $2.5M
+55.7% YoY
— QoQ
 -$92K $2.6M $4.0M $40.4M 61%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#222 of 661 • Bottom 33.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.43%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#245 of 691 • Bottom 35.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.71%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

449
Total Loans
size
Value: $441.29M
Peer Median: $258.35M
#449 of 2643 Top 17.0% in $100M-$1B
607
Total Assets
size
Value: $557.82M
Peer Median: $386.57M
#607 of 2643 Top 22.9% in $100M-$1B
622
Total Deposits
size
Value: $465.93M
Peer Median: $326.73M
#622 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (7 metrics)

2607
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2607 of 2643 Bottom 1.4% in $100M-$1B
2603
Net Interest Margin
profitability
Value: 2.27%
Peer Median: 3.99%
#2603 of 2643 Bottom 1.6% in $100M-$1B
2564
Non-Interest-Bearing Deposit Share
funding
Value: 4.27%
Peer Median: 22.03%
#2564 of 2643 Bottom 3.0% in $100M-$1B
2227
Tier 1 Capital Ratio
capital
Value: 10.43%
Peer Median: 15.91%
#2227 of 2643 Bottom 15.8% in $100M-$1B
2200
Loan-to-Deposit Ratio
liquidity
Value: 94.71%
Peer Median: 77.95%
#2200 of 2643 Bottom 16.8% in $100M-$1B
2183
Nonperforming Asset Ratio
credit_quality
Value: 1.13%
Peer Median: 0.67%
#2183 of 2643 Bottom 17.4% in $100M-$1B
2125
Delinquency Rate
credit_quality
Value: 1.43%
Peer Median: 0.92%
#2125 of 2633 Bottom 19.3% in $100M-$1B
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