# FIRST CENTRAL STATE BANK
DEWITT, IA · FDIC certificate 19716 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $772.4M | |
| Deposits | $595.4M | |
| Loans and leases | $497.2M | |
| Total equity | $99.1M | |
| Loans / deposits | 82.44% (p51 of band) | 82.04% |
| Liquid assets / assets | 31.83% (p68 of band) | |
| Uninsured deposits / deposits | 26.67% (p53 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.19% (p74 of band) | |
| FHLB advances / assets | 1.57% | |
| Tier 1 leverage | 13.39% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -12.07% (p38 of band) | -8.10% |
| AOCI / equity | -1.16% (p19 of band) | |
| ROA (annualized) | 1.43% (p60 of band) | 1.28% |
| Net interest margin | 3.57% (p32 of band) | 3.91% |
| Efficiency ratio | 52.57% (p24 of band) | |
| Noncurrent loans | 0.21% (p34 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 603.16% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 26.89% (p33 of band) | |
| Auto loans | $8.6M (1.73% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 96 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 1 | wholesale funding >15% |  |
| 2014-06 | 0 |  | wholesale funding >15% |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 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 | 1 | wholesale funding >15% |  |
| 2018-06 | 0 |  | wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## 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
- 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
- 2021-11-17 [Meyer joins First Central ag, commercial team - North Scott Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxQTUlOalFUSU1VSUVCakt5YUx4NmZmYWJUNHU3RjlyZW9QVGhwZ3VMM0JnQTlseGpMX3lGNjVQaFRuZTFfVW1md1dLaUJ0Z3ZrU2tBbng2WnRza2cxZTNmdWFXUHNrTDR2Y1pielBDVElFUG9lVTJINEs2bUg1SGxvM1NjT0dEOWtGSU5mT1JFdVRmYTlx?oc=5) · North Scott Press
- 2024-04-16 [Shred old documents at First Central State Bank events - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUDkwRm41OWdlaFVnWDlOcVV5RXF5Z3dKZjFUZVdjUGdZRlNMXzNEMklocU4tZ2s2TnU4OWVGX1JmN1ZlZWRtVFcweklaNVpRaElvdl9qOERKeXl4THFTT2xFM3NJUnc0WU15MC0tSWg1NWdOMTRLMXVEY192ZzhmZTNYeE1qaWpGdGNkbnhfSQ?oc=5) · Quad Cities Business Journal
- 2024-09-11 [18 indicted in nationwide bank fraud, money laundering scheme that included 8 Iowa banks - The Des Moines Register](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQZHd4Q0JVZEF0VDA0S3l4RlJFMFhCa3Iyck50LUVad3BaVXRWNGctaUQ3YUllbHFzbUJIUHN1b0hLQlZGdU1IZDdqN1BHbmo5OGVFUGN3WEVFbHdJQjdoWS1jcGZsZGo0Ym9kRE5VVTgwbm93MUtFWkp0ODJJdVRrQUxYcnp4Q1dNeUhMWU4wdGtZT0l2QnZiNjhHaDFnNUZFV2JTdFczMGI5UjZ4ZXMtQWxuMDV4bXRCeFhJcGhCRmM3VEh1R2tuRV8zTG54VjNVT0tn?oc=5) · The Des Moines Register
- 2024-04-11 [First Central State banks to hold free shred event - KWQC](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQjRRRUg1RjlHd0N5dDVSVHFGYmNwTVN0a3ViSV9oVGxQY253ZkRpTVh5YlU2dnZvaXBha2RnR0tGQ2FDTDJaZS03cTFrcHFwbnpSX1g2VHd3N2xLYUtnakpFWGNmd0JiaWJBOGdIZG0wVWFsb0RBUnZZM0FDRkZuRlJfVUU0VEHSAZsBQVVfeXFMTk5MVHVHUWJRN3NCM3lLa0swWW1jTkZvbzR5MzR6WmtHcTlIZGI5M3hVV0UtTC1uTVh2WG9LRE10aHpwd29iTXlCS3ZzLXVseTNlWnl5MXhxZDlXS0Q0cVllYUlvQXhkZUpXNVdHZVdaRm1YU2h4Q1lYMzE3ZjhhMjBNYThTeDVsc3lWeTktaXdTU0NoU0FLVjJzeE0?oc=5) · KWQC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19716 (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/4.json (key "19716", 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