# CENTRAL BANK
STORM LAKE, IA · FDIC certificate 15555 · asset band $1-10B · 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 | $2.29B | |
| Deposits | $1.87B | |
| Loans and leases | $2.00B | |
| Total equity | $237.1M | |
| Loans / deposits | 105.59% (p93 of band) | 87.10% |
| Liquid assets / assets | 8.55% (p3 of band) | |
| Uninsured deposits / deposits | 25.54% (p31 of band) | 30.76% |
| Brokered deposits | 0.22% | |
| Wholesale funding | 7.53% (p56 of band) | |
| FHLB advances / assets | 6.80% | |
| Tier 1 leverage | 10.09% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -1.68% (p83 of band) | -7.75% |
| AOCI / equity | -0.32% (p49 of band) | |
| ROA (annualized) | 0.96% (p27 of band) | 1.26% |
| Net interest margin | 3.59% (p42 of band) | 3.70% |
| Efficiency ratio | 70.47% (p80 of band) | |
| Noncurrent loans | 0.32% (p35 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 307.52% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 66.54% (p69 of band) | |
| Auto loans | $7.3M (0.37% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 333 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

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

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

- 2026-07-28 [Here's How Nvidia Is Rapidly Becoming the 'Central Bank of AI' - MarketWise](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSXBzdExhb25QNzVudElKQTJkQm1FaEJSWlNLSjMtd1MxXzl1ZEhucjVmN09zQTJFVVQ4UVFCYThQYWFpcFpDVXN2UGk1T3hUTmFXZVp0RXdyQnF1RWhjMmxGaUJNNFNPU3ljWHl1NEVkTmpnUUJheUF4ekE1STdqbFdnckxUTmN3Tk4tWGtBUkt1LW8xYncwNzdGYnZGT2JDWHY1Y2hUZjRfQQ?oc=5) · MarketWise
- 2026-04-13 [New CEO leads family community bank into next generation - SiouxFalls.Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMC1HalFkeS0zSzVKX2UxMnViUF93blpDbDR1WUVhbGcxcWFHMHhvTEstem1KcVJVVXk1bFYzcmxUZnpHMjQ4WDdfOUdmUnlEdzZ6amlReEd3OWkwaHhNSlJ2aHYtZkJ0bUlTSHJMaHV1UncxU3NRel9wU0Uxa2hjNXBHRFpkYlQxRlhXQUh3?oc=5) · SiouxFalls.Business
- 2026-07-10 [Fed faults Iowa bank holding companies - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNZmlfdWF4Nmp1UEFaSVFhNGp0dDh2d1FxSE8xa2pQeEZGbFhJdzYzWEVqNVRfX01EOXRrV1VLeUpsZjhWM25SUEdCZ1Q0akRJSkwyU3NqbFdKaW9FN19qVGt3ai10V2RTckdmVE1kejVlVFlsdHBBby1yS01MZVc0X2VmT24?oc=5) · Banking Dive
- 2026-06-03 [ECB to ask banks for targeted measures to counter AI risk - Reuters](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVUVGUndoZmtuVU1Yd01XdlVlUllqTVpEMldlLXFXOTJSSm9sTE1Ld19lMDdkaWdSb0NZcFFwRW5RUzcxVG1WTkJSV0xTRXkwX0RzOGxwSW8yOXM4MXJIN2lIOXB4VXZKcEVMbUZyQWwycWV1SXUxYktJakZCbFVuYVFvRzdEVTYxRU9qQ1VHSTc1MGJsLVdHX3ZSZDJzZTBsNnlWdnFB?oc=5) · Reuters
- 2026-03-23 [AI and the euro area economy - European Central Bank](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVXJOaHZYTU1TVVFqQzZ0NVlfd3h1QTJsN0s1c0xvRVBMb0NnTlZXMjkyUm4zTm4wV1BnUnVHNG1UOUNvN3ZwOENEeUNRUFN4M1ZteGtnVHlRQ2tfaDQwVFpFd3FSeXVpUW5IM0Rfb3l2OWdtS0dHUWUxd2tUOEd1RklEVThnazMzZHoyeg?oc=5) · European Central Bank
- 2026-05-24 [ECB convenes European banks to tackle cyber threat by Claude Mythos, IA at Anthropic - Il Sole 24 ORE](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaGJ3NTdPenpLZFZORUVWWWd6XzFQdFlNTkZjRkktTzV4bkFWQmFwT01fR2ltYlVOdjRsS1FicFRtQzF3NUotdER0WU03dDhOTC1aZ3BFdkxfd2VUa2h4U3V2ZVBVYUxLQkV6XzFPSk9ZcHNCRGRDbnhRaWRPT1YtZnZVMzdWaTVOS1RhWXFaSmVscVVPblE?oc=5) · Il Sole 24 ORE
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-22 [Central bank independence: An update - CEPR](https://news.google.com/rss/articles/CBMicEFVX3lxTE1pT01iLTZacU5selQtejB5Um9UdEtMWm1VNWstRkZ6TVRiekxGR291MlF1dXJjRkpvN3NiaWFTTzBHWGl4aG9UMzBwRF8yMUdxS2dWSjFDazJCRFBKWXB1TjkzdnNVaXVQelFRcXdsZ20?oc=5) · CEPR

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15555 (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/3.json (key "15555", 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.

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