TellerScore

Central State Bank is a state-chartered bank (fed member) headquartered in Coralville, Iowa, in business for about 95 years. At the end of Q2 2026 it reported $419.3M in total assets and $344.4M in deposits, with 7 offices.

Central State Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 88th. Problem-loan coverage contributes the most (100/100, 0.1%); funding & liquidity contributes the least (49/100, 94% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.27%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 93.9% · 30.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.12%

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

From Q2 2025 to Q2 2026, the score rose 13 points (63 → 76), mostly because the earnings component improved by 31 points.

TellerScore
596876Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202462
Q1 202561
Q2 202563
Q3 202567
Q4 202568
Q1 202673
Q2 202676
Tier 1 leverage ratio
5.00%7.63%10.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.83%
Q3 20248.87%
Q4 20249.01%
Q1 20259.39%
Q2 20259.68%
Q3 20259.91%
Q4 20259.72%
Q1 202610.20%
Q2 202610.27%
Noncurrent loans
0.00%0.18%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20240.31%
Q4 20240.04%
Q1 20250.37%
Q2 20250.36%
Q3 20250.02%
Q4 20250.00%
Q1 20260.02%
Q2 20260.02%
Return on assets
0.64%1.19%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.64%
Q4 20240.69%
Q1 20250.83%
Q2 20250.95%
Q3 20250.97%
Q4 20251.08%
Q1 20261.38%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$419.3M10.27%0.02%1.73%93.9%
Q1 202673$441.2M10.20%0.02%1.38%92.2%
Q4 202568$441.5M9.72%0.00%1.08%101.7%
Q3 202567$451.3M9.91%0.02%0.97%99.3%
Q2 202563$453.3M9.68%0.36%0.95%97.8%
Q1 202561$460.4M9.39%0.37%0.83%93.6%
Q4 202462$457.0M9.01%0.04%0.69%96.4%
Q3 202459$477.3M8.87%0.31%0.64%98.4%
Q2 202459$470.3M8.83%0.30%0.67%102.6%

2,650 peers · $100 million – $1 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 ratio10.27%
37th
Total risk-based capital15.68%
71st
Problem loans0.02%
84th
Net charge-offs0.00%
68th
Return on assets1.73%
77th
Net interest margin3.33%
21st
Efficiency ratio50.9%
81st
Loans to deposits93.9%
18th
Uninsured deposits30.7%
26th
Loan-loss reserves1.34%
66th
Texas ratio0.1%
85th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Trust and Savings BankBank Buffalo Center, IA74 out of 100, Strong$422.7M9.9%0.06%vs
Waukon State BankBank Waukon, IA78 out of 100, Strong$426.9M10.4%0.00%vs
Maquoketa State BankBank Maquoketa, IA86 out of 100, Very strong$429.0M16.4%0.52%vs
TS BankBank Treynor, IA72 out of 100, Strong$432.7M10.6%1.41%vs
FreedomBankBank Elkader, IA73 out of 100, Strong$433.9M10.7%0.26%vs
Hardin County Savings BankBank Eldora, IA62 out of 100, Moderate$402.3M9.8%1.25%vs

Deposit insurance

Is my money safe at Central State Bank?

Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #1550). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.7% of deposits ($105.6M) 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 10.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.68% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Central State Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central State Bank reported 39 home-loan applications under HMDA (LEI 549300QJ1W5RNY1X4D75): 32 originated ($26,680,000 total), 0 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 State Bank
Former names
The Central State Bank & Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
1550
RSSD ID
678744
Primary regulator
FED
Holding company
Ajj Bcorp Inc
Established
November 12, 1931
Headquarters
805 22nd Ave, Coralville, IA 52241
Employees
43

Quick answers

Central State Bank: common questions

Is Central State Bank FDIC insured?

Yes. Central State Bank is an FDIC-insured institution (FDIC certificate #1550). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Central State Bank's TellerScore?

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

Has Central State Bank ever failed?

There is no failure record for FDIC certificate #1550 in the FDIC failed bank list.

How many branches does Central State Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coralville

InstitutionScoreAssetsCapitalProblem loansCompare
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
The Watkins Savings BankBank Watkins, IA87 out of 100, Very strong$86.7M14.8%0.00%vs
Hills Bank and Trust CompanyBank Hills, IA84 out of 100, Strong$4.8B13.4%0.40%vs
Farmers and Merchants Savings BankBank Iowa City, IA83 out of 100, Strong$122.5M13.6%0.00%vs