City State Bank (FDIC #14410): Bank Stress & Real-Estate Credit Exposure
City State Bank (FDIC Cert #14410): bank stress 56/100, moderate, STABLE over 7 days; parent ALBRECHT FINL SERVICES INC.
City State Bank (#14410) lends in 4 counties across 1 state; City State Bank (#14410) reaches 88 ZIP codes: Iowa 4 counties, 88 ZIPs.
City State Bank (#14410) largest markets: Polk County, IA (42 branches, 42 ZIPs) (#14410), Boone County, IA (21 branches, 21 ZIPs) (#14410), Warren County, IA (105 branches, 21 ZIPs) (#14410), Ringgold County, IA (12 branches, 12 ZIPs) (#14410).
City State Bank (#14410) reports $787.9 million in total assets; City State Bank (#14410) equity $74.8 million (9.5% of City State Bank (#14410) assets); City State Bank (#14410) domestic deposits $693.2 million; City State Bank (#14410) net income $7.2 million; City State Bank (#14410) return on assets 1.84%; City State Bank (#14410) return on equity 19.58%; City State Bank (#14410) net interest income $12.4 million; City State Bank (#14410) call report June 30, 2026.
City State Bank (#14410) noncurrent real-estate loans 0.03% of its book; City State Bank (#14410) residential 0.03%; City State Bank (#14410) net charge-offs on real estate 0.07%; City State Bank (#14410) residential charge-offs 0.22%.
City State Bank (#14410) net interest margin 3.24% against an eight-quarter City State Bank (#14410) average of 2.92% (City State Bank (#14410) compression -0.32 points); City State Bank (#14410) real-estate loans 3.4% of equity; City State Bank (#14410) non-residential real estate 21.8% of equity; City State Bank (#14410) rate-exposure score 40/100, City State Bank (#14410) fixed-rate trap 40/100; City State Bank (#14410) risk type credit driven; City State Bank (#14410) rate regime rates elevated, City State Bank (#14410) snapshot October 19, 2026.
City State Bank (#14410) stress score moved from 52.2 on June 22, 2026 to 55.6 on October 20, 2026; City State Bank (#14410) ranged 52.2 to 55.6 over 117 snapshots.
City State Bank (#14410) alerts: 4 counties; top City State Bank (#14410) alert scores: Grimes County, IA 21 (low); Madrid County, IA 21 (low); Mount Ayr County, IA 21 (low); Norwalk County, IA 21 (low).