State Central Bank (FDIC certificate #5820) is based in Bonaparte, Iowa. Its Q2 2026 call report shows $63.2M in total assets and $50.6M in deposits and 4 offices.
State Central Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 35th. Capital cushion contributes the most (100/100, 16.11%); loan quality contributes the least (63/100, 1.11%).
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 (82 → 84), mostly because the loan quality component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 46 |
| Q4 2024 | 82 |
| Q1 2025 | 78 |
| Q2 2025 | 82 |
| Q3 2025 | 85 |
| Q4 2025 | 96 |
| Q1 2026 | 92 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.87% |
| Q3 2024 | 11.92% |
| Q4 2024 | 15.21% |
| Q1 2025 | 13.95% |
| Q2 2025 | 14.37% |
| Q3 2025 | 16.59% |
| Q4 2025 | 15.54% |
| Q1 2026 | 16.10% |
| Q2 2026 | 16.11% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.69% |
| Q3 2024 | 4.77% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.52% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.28% |
| Q2 2026 | 1.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.20% |
| Q4 2024 | 4.29% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.72% |
| Q3 2025 | 3.64% |
| Q4 2025 | 2.92% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $63.2M | 16.11% | 1.11% | 1.57% | 71.7% |
| Q1 2026 | 92 | $61.5M | 16.10% | 0.28% | 1.59% | 72.1% |
| Q4 2025 | 96 | $60.8M | 15.54% | 0.17% | 2.92% | 64.4% |
| Q3 2025 | 85 | $60.6M | 16.59% | 1.52% | 3.64% | 56.9% |
| Q2 2025 | 82 | $56.6M | 14.37% | 1.37% | 1.72% | 53.7% |
| Q1 2025 | 78 | $60.3M | 13.95% | 1.05% | 1.20% | 43.1% |
| Q4 2024 | 82 | $52.4M | 15.21% | 1.68% | 4.29% | 47.2% |
| Q3 2024 | 46 | $47.0M | 11.92% | 4.77% | 0.20% | 45.3% |
| Q2 2024 | 42 | $50.2M | 10.87% | 4.69% | 0.19% | 36.1% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| First Security BankBank Mapleton, IA | 86 out of 100, Very strong | $65.2M | 12.3% | 0.00% | vs |
| Montezuma State BankBank Montezuma, IA | 68 out of 100, Moderate | $54.6M | 14.9% | 6.94% | vs |
| Ashton State BankBank Ashton, IA | 84 out of 100, Strong | $54.5M | 14.7% | 0.88% | vs |
| First Heritage BankBank Shenandoah, IA | 79 out of 100, Strong | $72.1M | 10.2% | 0.00% | vs |
| First State BankBank Nashua, IA | 79 out of 100, Strong | $72.5M | 10.7% | 0.00% | vs |
| Farmers State BankBank Yale, IA | 90 out of 100, Very strong | $72.6M | 12.0% | 0.00% | vs |
Deposit insurance
Is my money safe at State Central Bank?
Yes. State Central Bank is an FDIC-insured institution (FDIC certificate #5820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.4% of deposits ($10.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.11%, 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%).
4 locations
Branches
State Central Bank lists 4 offices in 4 cities. Most locations:
- Bonaparte, IA (1)
- Farmington, IA (1)
- Keokuk, IA (1)
- Stockport, IA (1)
Identity & history
Profile
- Legal name
- State Central Bank
- Former names
- The State Central Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5820
- RSSD ID
- 808345
- Primary regulator
- FDIC
- Holding company
- Logan Investment Corp
- Established
- March 17, 1858
- Headquarters
- 612 1st St, Bonaparte, IA 52620
- Website
- www.statecentralbank.com
- Employees
- 26
Quick answers
State Central Bank: common questions
Is State Central Bank FDIC insured?
Yes. State Central Bank is an FDIC-insured institution (FDIC certificate #5820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Central Bank's TellerScore?
84 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 State Central Bank ever failed?
There is no failure record for FDIC certificate #5820 in the FDIC failed bank list.
How many branches does State Central Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bonaparte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lee County Credit UnionCredit union Keokuk, IA | 91 out of 100, Very strong | $3.2M | 31.8% | 0.00% | vs |
| Community Bank of MemphisBank Memphis, MO | 85 out of 100, Very strong | $63.7M | 12.4% | 0.00% | vs |
| Aim Credit UnionCredit union Dubuque, IA | 79 out of 100, Strong | $201.2M | 13.1% | 0.60% | vs |
| Peoples Bank of Wyaconda, MissouriBank Kahoka, MO | 78 out of 100, Strong | $148.5M | 10.6% | 0.02% | vs |
| Pilot Grove Savings BankBank Pilot Grove, IA | 74 out of 100, Strong | $1.2B | 8.8% | 0.13% | vs |
| The Libertyville Savings BankBank Fairfield, IA | 73 out of 100, Strong | $384.1M | 11.0% | 0.90% | vs |