Bank · FDIC insured
First Central State Bank
A $772.4M bank headquartered in DeWitt, IA, with 6 branches in Iowa.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings650.05%0.50% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Central State Bank
- Headquarters
- 914 6th Ave, DeWitt, IA 52742
- FDIC certificate
- 19716 ↗
Branches
6 branches in Iowa
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Iowa
6 branches
Clinton area · 4
- First Central State BankMain office914 6th Ave, DeWitt, IA 52742Directions
- Clinton Branch1427 N 2nd St, Clinton, IA 52732Directions
- Westside Branch2600 Lincoln Way, Clinton, IA 52732Directions
- Goose Lake Branch223 Main St, Goose Lake, IA 52750Directions
Davenport area · 2
- Eldridge Branch500 E Le Claire Rd, Eldridge, IA 52748Directions
- Le Claire Branch1291 Eagle Ridge Rd, Le Claire, IA 52753Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.43% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio13.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.43%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Central State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.