|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Central State Bank Elkader, IA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 7, 2026
Central State Bank Elkader, IA's Conventional 15 Year Fixed Rate rates are at 6.50%, Conventional 30 Year Fixed Rate rates are at 6.875%. Central State Bank Elkader, IA's mortgage rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Central State Bank Elkader, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.14%. Rates last updated and verified on 11/07/2026. Central State Bank Elkader, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central State Bank Elkader, IA? Share your experience about Central State Bank Elkader, IA by leaving a review below, or read customer reviews before you decide to use Central State Bank Elkader, IA. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Central State Bank Elkader, IA Mortgage Rates
Central State Bank Elkader, IA Home Equity & HELOC
Financial Health HistoryCentral State Bank Elkader, IA’s Texas Ratio fell from 1.14% in Q3 2023 to 0.14% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Central State Bank Elkader, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Central State Bank Elkader, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Central State Bank Elkader, IA's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Central State Bank Elkader, IA
Website
https://www.centralstate.bank
Address
805 22nd Ave,
Coralville, IA 52241 · Johnson
Bank Holding Company
AJJ BCORP INC
FDIC Certificate #
1550
Regulator
FED
Established
November 12, 1931
FDIC Insurance Date
January 1, 1934
Domestic Offices
7
Total Branches
7
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.14%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.7290%
Return on Equity (ROE)
18.1200%
Non-Performing Loans Ratio (NPL)
0.01%
Total Assets
$419,323,000
Total Deposits
$344,418,000
Equity Capital
$41,450,000
Net Income
$3,752,000
Headquarters
Coralville
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Central State Bank Elkader, IA yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Central State Bank Elkader, IA
Frequently Asked Questions About Central State Bank Elkader, IAWhat is the lowest 30 year fixed mortgage rate at Central State Bank Elkader, IA?The lowest Central State Bank Elkader, IA 30 year fixed mortgage rate is its Conventional 30 Year Fixed Rate at 6.875%, verified by MonitorBankRates as of November 7, 2026. Central State Bank Elkader, IA mortgage rates are 6.875% for a 30 year mortgage and 6.50% for a 15 year mortgage. How many branches does Central State Bank Elkader, IA operate?Central State Bank Elkader, IA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Central State Bank Elkader, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Central State Bank Elkader, IA provides members with tools to manage their accounts and build a solid financial history. Does Central State Bank Elkader, IA offer online and mobile banking?Most modern institutions like Central State Bank Elkader, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.centralstate.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Central State Bank Elkader, IA rates compare?Central State Bank Elkader, IA's mortgage rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. Central State Bank Elkader, IA's top rate is its Conventional 15 Year Fixed Rate at 6.50%, verified by MonitorBankRates on November 7, 2026. Compare to Other Banks
Bank of Anguilla
Bank of the Southwest
United Bank of Philadelphia
First Bank of Ohio
BSV Bank of Southside Virginia
Grand Marais SB
SEI Private Trust Company
Bank of Brewton
Pegasus Bank
Commencement Bank
Greene County Commercial Bank
SCSB Shelby County State Bank
First Bank Clewiston, FL
The First National Bank of Stanton
The State Bank of Toledo
Great Plains State Bank
Morgantown B&T
FNB of Sterling City
First State Bank
First Community Bank (SC)
Stock Yards Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
