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Central State Bank
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Community bank offering personal, business banking
Central State Bank
Work Here?
Community bank offering personal, business banking
Overview
Family-owned and community-focused, Central State Bank serves eastern Iowa since 1931. It offers personal and business banking, including agricultural loans, mortgages, checking and savings accounts, CDs, IRAs, and services such as online cash management and remote deposit capture. The bank differentiates itself through long-standing family ownership and local decision-making that emphasizes personal relationships and local service, with growth through branch expansion and acquisitions. Its goal is to provide comprehensive, locally driven financial solutions that support Eastern Iowa communities while preserving a personal banking experience.
About Central State Bank
Industries
Financial Services
Company Size
51-200
Company Stage
N/A
Total Funding
N/A
Headquarters
Calera, Alabama
Founded
N/A
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Simplify's Take
What believers are saying
- Q2 2026 assets reached $419.3 million, with ROA at 2.12% and CET1 14.42%.
- Deposits and credit quality improved in 2026: nonperforming loans fell to 0.02%.
- Deposit rates updated August 6, 2026 support retention in a competitive Iowa market.
What critics are saying
- A November 15, 2024 class action targets overdraft fees and customer harm.
- Fee litigation threatens refunds, legal expenses, and deposit churn by 2027.
- A Coralville-only footprint leaves the bank exposed if local commercial borrowers weaken.
What makes Central State Bank unique
- Family-owned since 1942, Central State Bank still anchors eastern Iowa’s relationship banking model.
- Its 2026 Coralville headquarters and six branches signal local density, not statewide sprawl.
- Agricultural, municipal, and small-business lending keeps it embedded in nonconsumer cash-flow cycles.
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Benefits
Professional Development Budget
Training Programs
Central State Bank is Hiring for 1 Jobs on Simplify!
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About Central State Bank
Industries
Financial Services
Company Size
51-200
Company Stage
N/A
Total Funding
N/A
Headquarters
Calera, Alabama
Founded
N/A
Central State Bank is Hiring for 1 Jobs on Simplify!
Find jobs on Simplify and start your career today