Central State Bank (FDIC #10903): Bank Stress & Real-Estate Credit Exposure
Central State Bank (FDIC Cert #10903): bank stress 74/100, elevated, STABLE over 7 days; parent STATE CENTER FINANCIAL INC.
Central State Bank (#10903) lends in 3 counties across 1 state; Central State Bank (#10903) reaches 65 ZIP codes: Iowa 3 counties, 65 ZIPs.
Central State Bank (#10903) largest markets: Dallas County, IA (25 branches, 25 ZIPs) (#10903), Story County, IA (23 branches, 23 ZIPs) (#10903), Marshall County, IA (21 branches, 21 ZIPs) (#10903).
Central State Bank (#10903) reports $557.8 million in total assets; Central State Bank (#10903) equity $54.2 million (9.7% of Central State Bank (#10903) assets); Central State Bank (#10903) domestic deposits $465.9 million; Central State Bank (#10903) net income $2.5 million; Central State Bank (#10903) return on assets 0.88%; Central State Bank (#10903) return on equity 9.16%; Central State Bank (#10903) net interest income $6.3 million; Central State Bank (#10903) call report June 30, 2026.
Central State Bank (#10903) noncurrent real-estate loans: none reported; Central State Bank (#10903) net charge-offs on real estate 1.07%; Central State Bank (#10903) multifamily charge-offs 12.80%; Central State Bank (#10903) residential charge-offs 0.21%.
Central State Bank (#10903) net interest margin 2.27% against an eight-quarter Central State Bank (#10903) average of 2.00% (Central State Bank (#10903) compression -0.27 points); Central State Bank (#10903) non-residential real estate 20.7% of equity; Central State Bank (#10903) rate-exposure score 40/100, Central State Bank (#10903) fixed-rate trap 40/100; Central State Bank (#10903) risk type credit driven; Central State Bank (#10903) rate regime rates elevated, Central State Bank (#10903) snapshot October 19, 2026.
Central State Bank (#10903) stress score moved from 73.2 on June 22, 2026 to 74 on October 20, 2026; Central State Bank (#10903) ranged 73.2 to 74 over 117 snapshots.
Central State Bank (#10903) alerts: 3 counties; top Central State Bank (#10903) alert scores: Ames County, IA 24 (low); State Center County, IA 24 (low); West Des Moines County, IA 24 (low).