Central State Bank: how it compares with its peers
Against 107 IA banks with half to twice its assets, Central State Bank's strongest measure in Q2 2026 is efficiency ratio (50.90% vs. a 55.05% peer median). Its weakest relative measure is net interest margin (3.33% vs. 3.64%).
| Measure | Central State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.73% | 1.40% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.33% | 3.64% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.90% | 55.05% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $8.5M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.95% | 83.51% | Context |
What it means for lending operations
Its efficiency ratio of 50.90% is better than the 55.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers Trust and Savings Bank Buffalo Center, IA · $423M
- Waukon State Bank Waukon, IA · $427M
- Maquoketa State Bank Maquoketa, IA · $429M
- TS Bank Treynor, IA · $433M
- FreedomBank Elkader, IA · $434M
- Hardin County Savings Bank Eldora, IA · $402M
Questions about Central State Bank
How big is Central State Bank?
Central State Bank, established in 1931, is headquartered in Coralville, IA. It reported $419M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Central State Bank's return on assets?
1.73% annualized in Q2 2026, against a 1.40% median for 107 IA banks with half to twice its assets, ahead of 75% of them.
What is Central State Bank's efficiency ratio?
50.90% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 55.05%, and lower is better.
Is Central State Bank growing its loans?
Net loans shrank 10.1% over the year to Q2 2026, while deposits shrank 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.