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Central State Bank

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

State Center, IA

3 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Central State Bank has 1 strength but faces 8 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 5.80% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 19.6% in tier
  • - Capital Thin: Bottom 22.2% in tier
  • - Credit Risk Growth: Bottom 43.8% in tier
  • - Flatlined Growth: Bottom 47.9% in tier
  • - Net Interest Margin 1.67% below tier average
  • - Non-Interest-Bearing Deposit Share 17.37% below tier average
  • - Non-Interest Income / Assets 0.27% below tier average
  • - ROA 0.38% below tier average
Get updates when Central State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $562.2M
+1.9% YoY -1.1% QoQ
+$176.1M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
77%
Total Loans ? $443.0M
+1.8% YoY -0.2% QoQ
+$187.3M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
84%
Total Deposits ? $470.6M
+1.3% YoY -1.5% QoQ
+$142.6M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
77%
Return on Assets ? 0.89%
+63.6% YoY +29.6% QoQ
-0.38% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
30%
Net Interest Margin ? 2.26%
+21.4% YoY +12.2% QoQ
-1.67% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
Bottom 1.6% in tier
Efficiency Ratio ? 59.49%
-14.8% YoY -7.9% QoQ
-5.80% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
62%
Delinquency Rate ? 0.91%
+802.1% YoY +441.6% QoQ
+0.02% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
30%
Loan-to-Deposit Ratio ? 94.16%
+0.5% YoY +1.3% QoQ
+17.52% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
16%
Non-Interest-Bearing Deposit Share ? 4.65%
-7.2% YoY -12.1% QoQ
-17.37% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Bottom 3.2% in tier
Nonperforming Asset Ratio ? 0.72%
+801.2% YoY +446.5% QoQ
+0.08% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
29%
Tier 1 Capital Ratio ? 10.22%
-0.3% YoY -8.2% QoQ
-5.61% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 12.3% in tier
Non-Interest Income / Assets ? 0.01%
+0.4% YoY -74.1% QoQ
-0.27% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
Bottom 1.4% in tier

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 (4)

Liquidity Strain

risk
#127 of 643 • Bottom 19.6% 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: 94.16%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Capital Thin

risk
#149 of 666 • Bottom 22.2% 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: 10.22%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Credit Risk Growth

risk
#427 of 973 • Bottom 43.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#246 of 512 • Bottom 47.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.89%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

431
Total Loans
size
Value: $443.05M
Peer Median: $255.72M
#431 of 2664 Top 16.1% in $100M-$1B
602
Total Assets
size
Value: $562.16M
Peer Median: $386.08M
#602 of 2664 Top 22.6% in $100M-$1B
619
Total Deposits
size
Value: $470.55M
Peer Median: $327.97M
#619 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (5 metrics)

2629
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.28%
#2629 of 2664 Bottom 1.4% in $100M-$1B
2622
Net Interest Margin
profitability
Value: 2.26%
Peer Median: 3.93%
#2622 of 2664 Bottom 1.6% in $100M-$1B
2579
Non-Interest-Bearing Deposit Share
funding
Value: 4.65%
Peer Median: 22.02%
#2579 of 2664 Bottom 3.2% in $100M-$1B
2336
Tier 1 Capital Ratio
capital
Value: 10.22%
Peer Median: 15.83%
#2336 of 2664 Bottom 12.3% in $100M-$1B
2229
Loan-to-Deposit Ratio
liquidity
Value: 94.16%
Peer Median: 76.64%
#2229 of 2664 Bottom 16.4% in $100M-$1B
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