TellerScore

Central Bank (FDIC certificate #15555) is based in Storm Lake, Iowa. Its Q2 2026 call report shows $2.3B in total assets and $1.9B in deposits and 23 offices across 2 states.

Central Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 168th. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (43/100, 106% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.09%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 105.6% · 25.5% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202461
Q4 202462
Q1 202562
Q2 202565
Q3 202566
Q4 202566
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%7.55%10.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.90%
Q3 20249.09%
Q4 20249.05%
Q1 20258.96%
Q2 202510.00%
Q3 20259.71%
Q4 20259.85%
Q1 20269.99%
Q2 202610.09%
Noncurrent loans
0.03%0.19%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.03%
Q4 20240.04%
Q1 20250.06%
Q2 20250.11%
Q3 20250.07%
Q4 20250.06%
Q1 20260.35%
Q2 20260.32%
Return on assets
0.51%0.73%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.54%
Q4 20240.51%
Q1 20250.57%
Q2 20250.67%
Q3 20250.77%
Q4 20250.79%
Q1 20260.83%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.3B10.09%0.32%0.96%105.6%
Q1 202664$2.2B9.99%0.35%0.83%103.6%
Q4 202566$2.3B9.85%0.06%0.79%102.0%
Q3 202566$2.3B9.71%0.07%0.77%99.9%
Q2 202565$2.2B10.00%0.11%0.67%103.2%
Q1 202562$2.2B8.96%0.06%0.57%100.4%
Q4 202462$2.2B9.05%0.04%0.51%102.7%
Q3 202461$2.2B9.09%0.03%0.54%104.8%
Q2 202460$2.2B8.90%0.04%0.52%105.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.09%
40th
Total risk-based capital11.55%
28th
Problem loans0.32%
66th
Net charge-offs0.00%
75th
Return on assets0.96%
27th
Net interest margin3.59%
42nd
Efficiency ratio70.5%
20th
Loans to deposits105.6%
7th
Uninsured deposits25.5%
69th
Loan-loss reserves0.99%
30th
Texas ratio2.5%
63rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Luana Savings BankBank Luana, IA70 out of 100, Strong$2.3B9.7%0.11%vs
Bank IowaBank West Des Moines, IA54 out of 100, Below average$2.3B8.9%1.38%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs
Fidelity Bank & TrustBank Dubuque, IA55 out of 100, Moderate$2.6B9.0%1.26%vs
Quad City Bank and Trust CompanyBank Bettendorf, IA70 out of 100, Strong$2.8B11.0%0.51%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs

Deposit insurance

Is my money safe at Central Bank?

Yes. Central Bank is an FDIC-insured institution (FDIC certificate #15555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($478.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.55% (benchmark: 10%).

Check how much of your own balance is covered

23 locations

Branches

Central Bank lists 18 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central Bank reported 1,613 home-loan applications under HMDA (LEI 549300Q76VHK6FGPX546): 1,301 originated ($380,195,000 total), 76 denied, and 231 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central Bank
Former names
The Commercial Trust & Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
15555
RSSD ID
546544
Primary regulator
FED
Holding company
Commercial Financial Corp
Established
January 1, 1879
Headquarters
600 Lake Ave, Storm Lake, IA 50588
Employees
333

Quick answers

Central Bank: common questions

Is Central Bank FDIC insured?

Yes. Central Bank is an FDIC-insured institution (FDIC certificate #15555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Central Bank ever failed?

There is no failure record for FDIC certificate #15555 in the FDIC failed bank list.

How many branches does Central Bank have?

23 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Storm Lake

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens First National Bank of Storm LakeBank Storm Lake, IA99 out of 100, Very strong$256.5M15.9%0.03%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs
Cherokee State BankBank Cherokee, IA83 out of 100, Strong$271.1M13.0%0.00%vs
West Iowa BankBank West Bend, IA82 out of 100, Strong$222.1M11.9%0.01%vs
Iowa State BankBank Hull, IA78 out of 100, Strong$1.3B11.7%0.06%vs
The Shelby County State BankBank Harlan, IA74 out of 100, Strong$523.6M10.0%0.40%vs