# CENTRAL STATE BANK
CORALVILLE, IA · FDIC certificate 1550 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $419.3M | |
| Deposits | $344.4M | |
| Loans and leases | $328.0M | |
| Total equity | $41.5M | |
| Loans / deposits | 93.95% (p79 of band) | 82.04% |
| Liquid assets / assets | 16.86% (p21 of band) | |
| Uninsured deposits / deposits | 30.65% (p68 of band) | 25.97% |
| Brokered deposits | 0.75% | |
| Wholesale funding | 8.37% (p72 of band) | |
| FHLB advances / assets | 7.62% | |
| Tier 1 leverage | 10.27% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -15.90% (p29 of band) | -8.10% |
| AOCI / equity | -0.36% (p49 of band) | |
| ROA (annualized) | 1.73% (p77 of band) | 1.28% |
| Net interest margin | 3.33% (p21 of band) | 3.91% |
| Efficiency ratio | 50.90% (p20 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 7685.96% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 41.65% (p49 of band) | |
| Auto loans | $1.3M (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2018-06 | 2 | wholesale funding >15% | loans exceed deposits, liquid assets <10% |
| 2018-09 | 4 | loans exceed deposits, liquid assets <10%, capital falling | charge-offs p90 |
| 2018-12 | 2 |  | liquid assets <10%, capital falling |
| 2019-03 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | loans exceed deposits, wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 5 | capital falling, construction >100% equity |  |
| 2024-03 | 4 | NIM <2.5% | uninsured deposits leaving, capital falling |
| 2024-06 | 3 |  | construction >100% equity |
| 2024-09 | 2 |  | loans exceed deposits |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | wholesale funding >15%, NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | deposits shrinking, assets shrinking |  |
| 2025-12 | 3 | loans exceed deposits, uninsured deposits leaving | assets shrinking |
| 2026-03 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2026-06 | 2 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-08 [First Central State Bank to host shred days - KWQC](https://news.google.com/rss/articles/CBMifkFVX3lxTFBKdzJCcUxPbG5CNmI0MWxiYUFrZXE1LWVpWUxaZGdkUFVYeGJYVVJvZTVoZThwUXRaa1I4TTE3Y1Y0R2kzQ2tHTmppQmViLWtxaXBUTkVuM01BSmFLZGVoMXU1bmc2aW4yQmIxemZCVWo0R2FDZzFIQTVEb2ZSZ9IBkgFBVV95cUxOQllvMXYwb0Vqc2xoTkczSFlFakFTY3NCLVM0ZkxhYkNnMjlOMTBnaFNkWHZpa3ktcHNjTC01ODVHTWFQaElNNkR6WVp5UUc2VFJKaTMzSXoxaUFNal82bnVBaGNzVDZ5RE9rMmpLTnpQYWVHSDJLVEtjM2s4QWpRYVN3OTFGNjNNLTlVS05SMVJydw?oc=5) · KWQC
- 2026-05-27 [Hess joins First Central State Bank Board of Directors - Clinton Herald](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQTDdMY3l1WEtBUnpjLXZmRElkWHNUeDVvMzE0aFNQTlA5b24tbDlhOElQbXJhRjF0TnB0WDRpOTZlTnpvanNJM1NiMjgwTW1IeXdrSE5IeTREdGl2elRjR3NUbGxtZzd0NXItV2RsZ2szdFcyTFUtWTR5aUtSaXJoOVROM29GRW5kYWJ1eWtvQUhJd1AxTE9iV3l2ZnM3Mlo0anViRDlGeXpBN0N1R3Z0dHRLSVJ0ZFNYZnJ1MkxVTHhtZjJhQzFJS0llLTd3bnlvQUJVemJ3NjF4em8?oc=5) · Clinton Herald
- 2026-04-06 [First Central State Bank to host shred days April 17 and 24 - Clinton Herald](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPUExvSDRLOWowaXlXQ09GLW5Ed09nTFRqLTNob1BDaVBBSFRJcU9lNklHM0EtRWhEQWFZeGdVWVlsSjJ5cGpNQ1pGRmhmaVRsT1VDQU1GY3hRNWEzREl1ZnRrUFRXS3Exa0ZRNmQ1ZmlJMWlsODFFblFwMTRRaVVOZ1dQLUpTblpIbGtMSXFDYmttZ1cwTFh2VFBBdWlmLWUzVFF5MHdTVW1CZDRRSlZqV182WHRfQUt2c3FMY3RiZkFIM0UtellXeVlscW84RHk5SFpfQ0QzWVQ0OE5uZUt5UDA3OFhRX1dKcGhB?oc=5) · Clinton Herald
- 2024-11-15 [Another Iowa bank faces class action lawsuit over fees charged to customers - iowacapitaldispatch.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNeW91YnMtTWNyWG9scUpFVkxDdS1LOVhZYXltZXh0TWJBa2REeVJOMk4xaTE5bGRvd2pVM21senp4QmI2bWJIRGhqTmhINXRGcmZoUHBUaG5vLWtkd1ZLZFJDQUt2YnR6SUhPQU1uMEZSLTczdE1OVE04a1VyQkFFd1VTa3RQMHA5TmpwbGhud1VMcnRBU2FfUHEteFgwNWlVSW5oZEVXY2l3V09kc21jSk8wUl9ZekVVVUNN?oc=5) · iowacapitaldispatch.com
- 2025-02-26 [First Central State Bank announces promotions - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZ1RwaHBSV0pfRDZubk8wclVwWVA0YUM1czl2WC1CRzlkR29SUmJ4U0QybDNxZzJYc05RbDl3MUNLdU16QWZ5MzFJaldFajRsQndiZ05FRWczcHFWQ0dGS2tMcHBkTXpCNzlwX3pyeVdyVlNmbU5XZVAxN1l6eXJNWm51Zw?oc=5) · Quad Cities Business Journal
- 2017-06-23 [Central State Bank’s leadership team bucks stereotypes - Corridor Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOeFlyS3ZrRzVtN1IySU10WHRiMWNiTFJEUGMzNWhfUVRqRHBub09ZNlZVaE1yOG5HMjRHclkxYmpKQm1OaXhLRWRnQmdjcjRrVFZhWk5UTVJ0aXdCTTRjTHNfaTlLMTJuVEswTEZycFhDQlEza21DZVBWLVowVEhsdUYzMkhIeFVHNmJJ?oc=5) · Corridor Business Journal
- 2018-09-14 [Central State Bank planning to acquire Swisher - press-citizen.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxONmNIY2pBSmd2M3dBSlZBTmdVc3BITC1tODBOZUlyRXRBUjVFNTVDTXdKQVczY3NvbEtKR1licDRra0JzS2hoOE1TNl9xcEJJWE5uSElPYTFFakZaNDczbDgxUEV0clQ1RzFZZ0pNdS1WTjlPQlF3dzh4SnNKeFo1YUR0Wl9vZlVoME8xQ2ljb2M1OGUzbDRjYTJ6dGw0Mkk?oc=5) · press-citizen.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Iowa - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdDNERG9UY2kxckVvZnQwUlVpcHY4VXdGc2Q4a1RhOXNncGF5ZmZfNGFwVm5ZMGt1N2VXZGttYmZzZWluNVo5X1dQb29Jd3ExRFJGQUkydjhjWU5fUThfQktxRWxIZ1hQZXFFMmY5VXNNTkJIR2R6cThpekloYVQ5R0VZYVpYdWVPNFE?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1550 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "1550", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide