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Central Bank

$1B-$10B Specialty: Commercial IA FDIC cert 15555

Designations: ✓ Community bank

Storm Lake, IA

23 branches across IA · SD

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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
  • Deposits +3.2% year over year ($1.9B on the books).
  • Delinquency rate 0.33%.
  • Return on assets 0.96%.
  • Efficiency ratio 70.47% vs a 59.73% peer average.
  • Loan-to-deposit ratio 105.59% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

Central Bank has 1 strength but faces 6 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

  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 33.6% in tier
  • - Capital Thin: Bottom 35.6% in tier
  • - Loan-to-Deposit Ratio 20.56% above tier average
  • - ROA 0.44% below tier average
  • - Net Interest Margin 0.28% below tier average
  • - Efficiency Ratio 10.74% above tier average
Get updates when Central 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 ? $2.3B
+5.5% YoY +1.9% QoQ
-$502.3M $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $2.0B
+5.6% YoY +1.2% QoQ
+$15.6M $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $1.9B
+3.2% YoY -0.7% QoQ
-$444.8M $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 0.96%
+41.8% YoY +14.5% QoQ
-0.44% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.59%
+16.0% YoY +1.8% QoQ
-0.28% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 70.47%
-6.6% YoY -6.4% QoQ
+10.74% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.33%
+202.2% YoY -6.5% QoQ
-0.54% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 105.59%
+2.3% YoY +1.9% QoQ
+20.56% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 7.1% in tier
Non-Interest-Bearing Deposit Share ? 14.15%
+7.1% YoY +8.7% QoQ
-7.12% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.28%
+202.5% YoY -7.0% QoQ
-0.39% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 10.60%
+1.4% YoY +0.8% QoQ
-4.24% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 11.6% in tier
Non-Interest Income / Assets ? 0.42%
+6.4% YoY +99.9% QoQ
-0.11% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
72%

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 14.2%
+0.9pp YoY
+1.1pp QoQ
 -7.2pp 21.4% 17.8% 22.2% 24%
Brokered Deposits 0.3%
-0.8pp YoY
0.0pp QoQ
 -9.2pp 9.5% 6.0% 8.5% 8%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 16.6%
-1.7pp YoY
-0.8pp QoQ
 +2.6pp 14.0% 12.8% 12.5% 72%
CRE 50.5%
+2.1pp YoY
+0.3pp QoQ
 +0.5pp 50.0% 28.3% 41.4% 53%
1-4 Family 22.8%
-1.0pp YoY
+0.1pp QoQ
 -3.6pp 26.4% 23.0% 31.3% 49%
Consumer 0.9%
-0.2pp YoY
0.0pp QoQ
 -3.9pp 4.7% 2.9% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 10.6%
+0.1pp YoY
+0.1pp QoQ
 -5.0pp 15.6% 15.4% 19.7% 4%
Leverage Ratio 10.1%
+0.1pp YoY
+0.1pp QoQ
 -1.2pp 11.3% 12.4% 12.6% 39%
Total Capital Ratio 11.6%
+0.1pp YoY
+0.1pp QoQ
 -5.1pp 16.7% 16.5% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 333
+32 (+10.6%) YoY
+22 (+7.1%) QoQ
 +19 313 64 482 70%
Assets per Employee ($) $6.9M
-4.7% YoY
-4.9% QoQ
 -$3.6M $10.5M $8.9M $8.8M 23%
Branch Count 23
0 YoY
0 QoQ
 +3 20 5 18 72%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
0.0pp QoQ
 +0.1pp 0.2% 0.4% 0.4% 90%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 3%
Allowance Coverage 3.08x
-67.8% YoY
+5.5% QoQ
 -15.63x 18.71x 18.97x 20.23x 64%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 9.3%
+2.2pp YoY
+1.2pp QoQ
 -3.3pp 12.6% 12.8% 11.6% 27%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.8% 1.7% 68%
Net Income ($, YTD) $10.8M
+47.7% YoY
— QoQ
 -$8.4M $19.2M $4.0M $40.4M 43%

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)

Credit Risk Growth

risk
#136 of 402 • Bottom 33.6% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#80 of 222 • Bottom 35.6% 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: 10.60%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

823
Loan-to-Deposit Ratio
liquidity
Value: 105.59%
Peer Median: 85.04%
#823 of 885 Bottom 7.1% in $1B-$10B
783
Tier 1 Capital Ratio
capital
Value: 10.60%
Peer Median: 14.84%
#783 of 885 Bottom 11.6% in $1B-$10B
708
Efficiency Ratio
profitability
Value: 70.47%
Peer Median: 59.73%
#708 of 885 Bottom 20.1% in $1B-$10B
674
Non-Interest-Bearing Deposit Share
funding
Value: 14.15%
Peer Median: 21.27%
#674 of 885 Bottom 24.0% in $1B-$10B
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