TellerScore

First Central State Bank is a state-chartered bank headquartered in Dewitt, Iowa, in business for about 59 years. At the end of Q2 2026 it reported $772.4M in total assets and $595.4M in deposits, with 6 offices.

Based on its Q2 2026 filing, First Central State Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 38th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is funding & liquidity (65/100; 82% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.39%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 82.4% · 26.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.54%

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 6 points (77 → 83), mostly because the loan quality component improved by 14 points.

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202481
Q4 202479
Q1 202580
Q2 202577
Q3 202578
Q4 202576
Q1 202683
Q2 202683
Tier 1 leverage ratio
5.00%9.21%13.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.06%
Q3 202413.36%
Q4 202413.12%
Q1 202513.25%
Q2 202513.32%
Q3 202513.43%
Q4 202513.03%
Q1 202613.41%
Q2 202613.39%
Noncurrent loans
0.17%0.40%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.17%
Q4 20240.26%
Q1 20250.24%
Q2 20250.64%
Q3 20250.57%
Q4 20250.64%
Q1 20260.29%
Q2 20260.21%
Return on assets
1.00%1.22%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.03%
Q4 20241.05%
Q1 20251.10%
Q2 20251.15%
Q3 20251.20%
Q4 20251.23%
Q1 20261.41%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$772.4M13.39%0.21%1.43%82.4%
Q1 202683$784.0M13.41%0.29%1.41%79.6%
Q4 202576$774.9M13.03%0.64%1.23%80.7%
Q3 202578$761.5M13.43%0.57%1.20%83.4%
Q2 202577$735.8M13.32%0.64%1.15%80.8%
Q1 202580$747.5M13.25%0.24%1.10%78.5%
Q4 202479$726.2M13.12%0.26%1.05%77.2%
Q3 202481$711.9M13.36%0.17%1.03%78.3%
Q2 202480$707.2M13.06%0.18%1.00%76.1%

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).

Capital ratio13.39%
78th
Total risk-based capital0.00%
24th
Problem loans0.21%
64th
Net charge-offs0.01%
45th
Return on assets1.43%
61st
Net interest margin3.57%
31st
Efficiency ratio52.6%
78th
Loans to deposits82.4%
44th
Uninsured deposits26.7%
39th
Loan-loss reserves1.27%
58th
Texas ratio1.5%
63rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Midwest Heritage Bank, FSBBank West Des Moines, IA68 out of 100, Moderate$768.3M12.8%1.78%vs
Green Belt Bank & TrustBank Iowa Falls, IA71 out of 100, Strong$758.7M9.2%0.04%vs
City State BankBank Norwalk, IA72 out of 100, Strong$787.9M9.4%0.27%vs
Decorah Bank & Trust CompanyBank Decorah, IA74 out of 100, Strong$794.1M10.4%0.49%vs
PrimebankBank Le Mars, IA61 out of 100, Moderate$800.6M11.0%1.86%vs
First BankBank Waverly, IA78 out of 100, Strong$739.9M12.7%0.54%vs

Deposit insurance

Is my money safe at First Central State Bank?

Yes. First Central State Bank is an FDIC-insured institution (FDIC certificate #19716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.7% of deposits ($158.8M) 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 13.39%, 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

6 locations

Branches

First Central State Bank lists 6 offices in 5 cities. Most locations:

  • Clinton, IA (2)
  • Dewitt, IA (1)
  • Eldridge, IA (1)
  • Goose Lake, IA (1)
  • Le Claire, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Central State Bank reported 269 home-loan applications under HMDA (LEI 5493005L8AW1CTD9HZ03): 225 originated ($43,775,000 total), 23 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, 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.

Identity & history

Profile

Legal name
First Central State Bank
Type
State-chartered bank
FDIC certificate #
19716
RSSD ID
639549
Primary regulator
FDIC
Holding company
Ohnward Bancshares Inc
Established
June 12, 1967
Headquarters
914 6th Ave, Dewitt, IA 52742
Employees
96

Quick answers

First Central State Bank: common questions

Is First Central State Bank FDIC insured?

Yes. First Central State Bank is an FDIC-insured institution (FDIC certificate #19716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Central State Bank's TellerScore?

83 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 First Central State Bank ever failed?

There is no failure record for FDIC certificate #19716 in the FDIC failed bank list.

How many branches does First Central State Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dewitt

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Wyoming, IA91 out of 100, Very strong$137.7M17.9%0.25%vs
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Maquoketa State BankBank Maquoketa, IA86 out of 100, Very strong$429.0M16.4%0.52%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
1st Gateway Credit UnionCredit union Camanche, IA80 out of 100, Strong$170.9M14.1%0.35%vs
The Clinton National BankBank Clinton, IA79 out of 100, Strong$396.4M13.4%0.53%vs