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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bonaparte, IA · FDIC certificate #5820
STATE CENTRAL BANK is an FDIC-insured institution based in Bonaparte, IA (FDIC certificate #5820). In its Q3 2026 Call Report it reported total assets of $60M, total deposits of $47M and net loans of $34M. Its primary federal regulator is FDIC.
Plain-language readout
STATE CENTRAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $63M in Q2 2026 and were lowest at $60M in Q3 2026.
Total deposits were highest at $51M in Q2 2026 and lowest at $47M in Q3 2026.
Over the whole period total assets fell 2.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $60M | $47M | $34M | 1.43% | 8.33% | 5.00% |
| Q2 2026 | $63M | $51M | $36M | 1.57% | 9.24% | 5.02% |
| Q1 2026 | $62M | $48M | $35M | 1.59% | 9.34% | 4.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.5M | $5.1M | +$406K | +7.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $17.2M | $17.7M | -$479K | -2.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $36.3M | $34.5M | +$1.7M | +5.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.3M | $2.4M | -$35K | -1.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.9M | $1.8M | +$50K | +2.7% |
| Total assets | $63.2M | $61.5M | +$1.7M | +2.7% |
| Liabilities | ||||
| Total deposits | $50.6M | $47.9M | +$2.7M | +5.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.9M | $3.1M | -$1.2M | -39.6% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $77K | $95K | -$18K | -18.9% |
| Total liabilities | $52.5M | $51.1M | +$1.5M | +2.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3.4M | $3.4M | $0K | 0.0% |
| Surplus | $11.2M | $11.2M | $0K | 0.0% |
| Retained earnings | -$3.9M | -$4.2M | +$242K | +5.8% |
| Accumulated other comprehensive income | $46K | $56K | -$10K | -17.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.7M | $10.4M | +$232K | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $410K | $100K | +$310K | +310.0% |
| Adjusted nonperforming assets | $410K | $100K | +$310K | +310.0% |
| Tangible equity plus allowance | $11.4M | $11.1M | +$241K | +2.2% |
| Texas ratio (gross) | 3.60% | 0.90% | +2.70 pts | See points |
| Texas ratio (adjusted) | 3.60% | 0.90% | +2.70 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.04% | 3.79% | +2.26 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 16.11% | 16.10% | +0.00 pts | See points |
| Construction and land loans to total capital | 18.77% | 18.37% | +0.40 pts | See points |
| Commercial real estate to total capital | 53.71% | 36.24% | +17.46 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.46% | 0.58% | -0.11 pts | See points |
| Liquidity | ||||
| Core deposits | $49.9M | $47.0M | +$3.0M | +6.3% |
| Non-core funding | $2.5M | $4.0M | -$1.5M | -37.0% |
| Loans to core deposits | 74.08% | 75.01% | -0.93 pts | See points |
| Loans to deposits | 73.14% | 73.63% | -0.49 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 51.12% | 52.48% | -1.37 pts | See points |
| Loans pledged, share of loans | 26.62% | 28.71% | -2.09 pts | See points |
| Volatile liabilities | $10.1M | $11.8M | -$1.7M | -14.7% |
| Earnings | ||||
| Earnings before provision, year to date | $485K | $243K | +$242K | +99.6% |
| Earnings before provision, single quarter | $242K | $243K | -$1K | -0.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 8.26% | 8.38% | -0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.42% | 3.40% | +0.01 pts | See points |
| Total interest income to average assets | 6.28% | 6.17% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 1.78% | 1.93% | -0.15 pts | See points |
| Cost of savings and money market deposits | 0.38% | 1.06% | -0.67 pts | See points |
| Cost of time deposits | 3.52% | 3.54% | -0.02 pts | See points |
| Total interest expense to average assets | 1.60% | 1.63% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $60M | $47M | $34M | 1.43% | 8.33% | 5.00% |
| 2026-06-30 | $63M | $51M | $36M | 1.57% | 9.24% | 5.02% |
| 2026-03-31 | $62M | $48M | $35M | 1.59% | 9.34% | 4.94% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $47.6M | 0.04% | 243 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.