Central Bank (FDIC #15555): Bank Stress & Real-Estate Credit Exposure
Central Bank (FDIC Cert #15555): bank stress 70/100, elevated, STABLE over 7 days; parent COMMERCIAL FINANCIAL CORP.
Central Bank (#15555) lends in 10 counties across 2 states; Central Bank (#15555) reaches 172 ZIP codes: Iowa 6 counties, 120 ZIPs; South Dakota 4 counties, 52 ZIPs.
Central Bank (#15555) largest markets: Polk County, IA (210 branches, 42 ZIPs) (#15555), Woodbury County, IA (130 branches, 26 ZIPs) (#15555), Dallas County, IA (25 branches, 25 ZIPs) (#15555), Minnehaha County, SD (46 branches, 23 ZIPs) (#15555), Cherokee County, IA (15 branches, 15 ZIPs) (#15555), Buena Vista County, IA (42 branches, 14 ZIPs) (#15555).
Central Bank (#15555) reports $2.29 billion in total assets; Central Bank (#15555) equity $237.1 million (10.3% of Central Bank (#15555) assets); Central Bank (#15555) domestic deposits $1.87 billion; Central Bank (#15555) net income $10.8 million; Central Bank (#15555) return on assets 0.96%; Central Bank (#15555) return on equity 9.27%; Central Bank (#15555) net interest income $38.3 million; Central Bank (#15555) call report June 30, 2026.
Central Bank (#15555) noncurrent real-estate loans: none reported; Central Bank (#15555) net charge-offs on real estate 0.07%; Central Bank (#15555) residential charge-offs 0.01%.
Central Bank (#15555) net interest margin 3.59% against an eight-quarter Central Bank (#15555) average of 3.14% (Central Bank (#15555) compression -0.46 points); Central Bank (#15555) non-residential real estate 1.3% of equity; Central Bank (#15555) rate-exposure score 40/100, Central Bank (#15555) fixed-rate trap 40/100; Central Bank (#15555) risk type credit driven; Central Bank (#15555) rate regime rates elevated, Central Bank (#15555) snapshot October 20, 2026.
Central Bank (#15555) stress score moved from 71 on June 22, 2026 to 70.2 on October 20, 2026; Central Bank (#15555) ranged 70.2 to 71 over 117 snapshots.
Central Bank (#15555) alerts: 9 counties; top Central Bank (#15555) alert scores: Cherokee County, IA 42 (moderate); Brookings County, IA 23 (low); North Sioux City County, IA 23 (low); Sioux City County, IA 23 (low); Sioux Falls County, IA 23 (low).