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.

From Q2 2025 to Q2 2026, the score fell 11 points (66 → 55), mostly because the loan quality component weakened by 42 points.

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

Similar-size banks in Iowa

Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #10903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($144.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Central State Bank lists 3 offices in 3 cities. Most locations:

• Ames, IA (1)
• State Center, IA (1)
• West Des Moines, IA (1)

All branch addresses and map

In 2025, Central State Bank reported 64 home-loan applications under HMDA (LEI 5493005DFXO7V7YOKJ57): 49 originated ($12,745,000 total), 9 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, 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.

Legal name

Central State Bank

Type

State-chartered bank

FDIC certificate #

10903

RSSD ID

607146

Primary regulator

FDIC

Holding company

State Center Financial Inc

Established

January 1, 1902

Headquarters

109 Main St W, State Center, IA 50247

Website

www.centralstatebankia.com

Employees

38