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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.
Reported facts
Deterministic ratios for STATE CENTRAL BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $47M |
|---|---|
| Net loans and leases | $34M |
Plain-language readout
STATE CENTRAL BANK in Bonaparte, IA funds its loans with $47M of deposits and holds $34M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for STATE CENTRAL BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 72.46% in Q3 2026, against 72.15% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $34M | $47M | 72.46% |
| Q2 2026 | $36M | $51M | 71.72% |
| Q1 2026 | $35M | $48M | 72.15% |
Line-by-line detail on this page is rebuilt from the Q2 2026 Call Report schedules and earlier quarters. Peer comparisons use banks under $100 million in assets for the same quarter.
Deposits
| Type | Amount | Share of deposits | Peer median share | Position among peers | Call Report fields |
|---|---|---|---|---|---|
| Transaction accounts | $30.2M | 59.72% | 38.39% | No band 93rd percentile of 544 peers | RCON2215 |
| Savings deposits (excluding money market deposit accounts) | $3.9M | 7.76% | 14.51% | No band 21st percentile of 544 peers | RCON0352 |
| Money market deposit accounts | $1.3M | 2.66% | 7.08% | No band 30th percentile of 544 peers | RCON6810 |
| Time deposits (total) | $15.1M | 29.86% | 33.02% | No band 41st percentile of 544 peers | RCON2385, RCON0352, RCON6810 |
| Time deposits of $250,000 or less | $14.5M | 28.60% | 22.91% | No band 67th percentile of 544 peers | RCON6648, RCONJ473 |
| Time deposits over $250,000 | $640K | 1.27% | 7.93% | No band 9th percentile of 544 peers | RCONJ474 |
| Total deposits | $50.6M | 100.00% | Not reported | Not reported | RCON2200 |
| IRA and Keogh plan accounts (memo) | $149K | 0.29% | Not reported | Not reported | RCON6835 |
| Volatile liabilities | $10.1M | 19.87% | Not reported | Not reported | RCON2365, RCONJ474, RCONK220, RCON3190, RCONK223 |
The types above add up to total deposits. Volatile liabilities. OptimaYield definition: brokered deposits + time deposits over $250K - brokered over $250K (counted twice otherwise) + listing-service deposits + other borrowed money, fed funds purchased, repurchase agreements and subordinated debt.
Pricing
| Category | Q2 2026 | Q1 2026 | Peer median | Position among peers | Change |
|---|---|---|---|---|---|
| Yield on loans and leases | 8.26% | 8.38% | 6.79% | No band 93rd percentile of 521 peers | -0.12 pts |
| Yield on interest-bearing balances due from banks | 3.42% | 3.40% | 3.64% | No band 35th percentile of 540 peers | +0.01 pts |
| Total interest income to average assets | 6.28% | 6.17% | 4.87% | No band 91st percentile of 578 peers | +0.11 pts |
| Cost of interest-bearing transaction accounts | 1.78% | 1.93% | 0.32% | Bottom 20% 93rd percentile of 476 peers, lower is better | -0.15 pts |
| Cost of savings and money market deposits | 0.38% | 1.06% | 0.71% | Top 50% 31st percentile of 524 peers, lower is better | -0.67 pts |
| Cost of time deposits | 3.52% | 3.54% | 3.40% | 36–50% 62nd percentile of 530 peers, lower is better | -0.02 pts |
| Total interest expense to average assets | 1.60% | 1.63% | 1.23% | 21–35% 72nd percentile of 578 peers, lower is better | -0.03 pts |
Each rate takes the quarter's interest (year-to-date interest less the prior quarter's year to date), annualizes it by multiplying by four, and divides by the quarter's average balance. Peer rates by category are not shown yet.
Loans
| Bucket | Amount | Call Report fields |
|---|---|---|
| Closed-end 1-4 family first liens: 3 months or less | $315K | RCONA564 |
| Closed-end 1-4 family first liens: Over 3 months through 12 months | $1.5M | RCONA565 |
| Closed-end 1-4 family first liens: Over 1 year through 3 years | $3.3M | RCONA566 |
| Closed-end 1-4 family first liens: Over 3 years through 5 years | $7.6M | RCONA567 |
| Closed-end 1-4 family first liens: Over 5 years through 15 years | $737K | RCONA568 |
| Closed-end 1-4 family first liens: Over 15 years | $0K | RCONA569 |
| All other loans and leases: 3 months or less | $3.6M | RCONA570 |
| All other loans and leases: Over 3 months through 12 months | $4.2M | RCONA571 |
| All other loans and leases: Over 1 year through 3 years | $8.0M | RCONA572 |
| All other loans and leases: Over 3 years through 5 years | $5.0M | RCONA573 |
| All other loans and leases: Over 5 years through 15 years | $2.6M | RCONA574 |
| All other loans and leases: Over 15 years | $0K | RCONA575 |
| Item | Amount | Call Report fields |
|---|---|---|
| Held for sale: nonaccrual | $0K | RCONC226 |
| Held for sale: 30-89 days past due | $0K | RCONC240 |
| Held for sale: 90+ days past due | $0K | RCONC241 |
| Additions to nonaccrual assets during the quarter | $184K | RCONC410 |
| Nonaccrual assets sold during the quarter | $0K | RCONC411 |
| Paycheck Protection Program loans outstanding | $0K | RCONLG27 |
| Extensions of credit to executive officers, directors and principal shareholders | $1.4M | RCON6164 |
| Loans and leases pledged | $9.8M | RCONG378 |
| Loans pledged, share of loans Loans pledged as collateral divided by loans and leases net of unearned income. | 26.62% | RCONG378, RCONB528 |