City State Bank (FDIC certificate #14410) is based in Norwalk, Iowa. Its Q2 2026 call report shows $787.9M in total assets and $693.2M in deposits and 9 offices.
Based on its Q2 2026 filing, City State Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 116th. Its strongest component is problem-loan coverage (96/100; 2.0%), and its lowest is capital cushion (44/100; 9.37%).
TellerScore · Q2 2026
Scorecard
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 2 points (70 → 72), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 75 |
| Q2 2026 | 72 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.80% |
| Q3 2024 | 8.94% |
| Q4 2024 | 8.84% |
| Q1 2025 | 8.98% |
| Q2 2025 | 9.21% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.39% |
| Q1 2026 | 9.60% |
| Q2 2026 | 9.37% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.95% |
| Q2 2026 | 1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $787.9M | 9.37% | 0.27% | 1.84% | 85.5% |
| Q1 2026 | 75 | $791.6M | 9.60% | 0.36% | 1.95% | 82.6% |
| Q4 2025 | 70 | $774.9M | 9.39% | 0.34% | 1.51% | 84.1% |
| Q3 2025 | 69 | $733.1M | 9.59% | 0.37% | 1.49% | 90.9% |
| Q2 2025 | 70 | $750.6M | 9.21% | 0.23% | 1.47% | 85.4% |
| Q1 2025 | 70 | $774.0M | 8.98% | 0.14% | 1.37% | 79.9% |
| Q4 2024 | 68 | $765.2M | 8.84% | 0.14% | 1.16% | 82.5% |
| Q3 2024 | 68 | $734.5M | 8.94% | 0.04% | 1.11% | 85.5% |
| Q2 2024 | 66 | $715.0M | 8.80% | 0.14% | 1.07% | 86.1% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Decorah Bank & Trust CompanyBank Decorah, IA | 74 out of 100, Strong | $794.1M | 10.4% | 0.49% | vs |
| PrimebankBank Le Mars, IA | 61 out of 100, Moderate | $800.6M | 11.0% | 1.86% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Midwest Heritage Bank, FSBBank West Des Moines, IA | 68 out of 100, Moderate | $768.3M | 12.8% | 1.78% | vs |
| CUSB BankBank Cresco, IA | 74 out of 100, Strong | $812.1M | 12.3% | 0.65% | vs |
| Green Belt Bank & TrustBank Iowa Falls, IA | 71 out of 100, Strong | $758.7M | 9.2% | 0.04% | vs |
Deposit insurance
Is my money safe at City State Bank?
Yes. City State Bank is an FDIC-insured institution (FDIC certificate #14410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.9% of deposits ($235.3M) 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 9.37%, 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%).
9 locations
Branches
City State Bank lists 8 offices in 7 cities. Most locations:
- Norwalk, IA (2)
- Grimes, IA (1)
- Indianola, IA (1)
- Madrid, IA (1)
- Martensdale, IA (1)
- Mount Ayr, IA (1)
- New Virginia, IA (1)
Identity & history
Profile
- Legal name
- City State Bank
- Former names
- Norwalk-Cumming State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14410
- RSSD ID
- 252041
- Primary regulator
- FDIC
- Holding company
- Albrecht Finl Services Inc
- Established
- January 1, 1895
- Headquarters
- 801 Main St, Norwalk, IA 50211
- Website
- www.citystatebank.com
- Employees
- 100
Quick answers
City State Bank: common questions
Is City State Bank FDIC insured?
Yes. City State Bank is an FDIC-insured institution (FDIC certificate #14410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is City State Bank's TellerScore?
72 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 City State Bank ever failed?
There is no failure record for FDIC certificate #14410 in the FDIC failed bank list.
How many branches does City State Bank have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Norwalk
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lamoure Credit UnionCredit union Lamoure, ND | 98 out of 100, Very strong | $38.8M | 18.9% | 0.00% | vs |
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
| Iowa State BankBank Des Moines, IA | 95 out of 100, Very strong | $480.5M | 15.9% | 0.00% | vs |
| Journey Credit UnionCredit union Des Moines, IA | 85 out of 100, Very strong | $97.6M | 16.9% | 1.11% | vs |
| Serve Credit UnionCredit union Des Moines, IA | 84 out of 100, Strong | $101.3M | 18.1% | 0.81% | vs |
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |