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Lender record

Central State Bank

The real lending record — every figure from funded deals. HQ: 109 Main St W, State Center, IA. 3 branches.

22

Recent deals (FY20+)

$350K

Typical deal

49 days

Approval → funding

0%

Failure rate (FY20–23)

Where Central State Bank lends

Deals Central State Bank funded — list all 22 as text

Deal profile

Most Central State Bank deals land between $100K and $597K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.All Other Miscellaneous Retailers (2)
  2. 2.Limited-Service Restaurants (2)
  3. 3.Medicinal and Botanical Manufacturing (1)
  4. 4.Sports and Recreation Instruction (1)
  5. 5.Offices of Physicians (except Mental Health Specialists) (1)
  6. 6.Florists (1)
  7. 7.All Other Specialty Food Retailers (1)
  8. 8.Clothing and Clothing Accessories Retailers (1)

Most active states

  1. 1.Alabama (16 deals)
  2. 2.Iowa (6 deals)

Franchises they finance most

Yogurt Mountain

2 deals

Bella Bridesmaids

1 deals

Primrose Schools

1 deals

Fitness 1440

1 deals

Innerlast

1 deals

Can Central State Bank fund you? The bank behind the loans

Total assets

$562.2M

▼ 1.1% vs prior quarter

Deposits on hand

$470.6M

▼ 1.5% vs prior quarter

Loans outstanding

$443.0M

▼ 0.2% vs prior quarter

Net income (latest qtr)

$1.3M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Central State Bank more SBA-focused than 37% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 0.89% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Central State Bank branch (3)

Central State BankMain office109 Main St WState Center, IA 50247 · since 1902

Ames Branch2709 Northridge PkwyAmes, IA 50010 · since 2019

West Des Moines Branch140 S 68th StWest Des Moines, IA 50266 · since 2022

Branch data: FDIC BankFind.

Recent deals

  • ReSourced Apothecary LLC in Vestavia Hills, AL — $77K (2026) · Medicinal and Botanical Manufacturing
  • K3 Performance Inc. in Hiawatha, IA — $207K (2025) · Sports and Recreation Instruction
  • Fackler Acquisition, LLC in Iowa City, IA — $206K (2025) · purchase · Offices of Physicians (except Mental Health Specialists)
  • Dwell and Flourish LLC in Columbiana, AL — $90K (2025) · Florists
  • Two 20th Point, LLC in Amana, IA — $52K (2025) · All Other Specialty Food Retailers
  • Ren Rose, LLC in Birmingham, AL — $510K (2024) · purchase · Clothing and Clothing Accessories Retailers
  • SEPS Graphics, Inc. in Birmingham, AL — $396K (2024) · purchase · All Other Miscellaneous Retailers
  • SEPS Graphics, Inc. in Birmingham, AL — $396K (2024) · purchase · All Other Miscellaneous Retailers
  • RAM River, LLC in Iowa City, IA — $283K (2024) · purchase · Commercial Screen Printing
  • Mr. Hungry LLC in Birmingham, AL — $719K (2023) · Limited-Service Restaurants

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Central State Bank financed

21 businesses on record. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Central State Bank.

Agent summary

This page summarizes Central State Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 22 SBA 7(a) loans on record
  • $350K typical deal
  • 9 business-acquisition loans
  • HQ: 109 Main St W, State Center, IA
  • 3 FDIC branch locations
  • FDIC total assets $562.2M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/central-state-bank
API:
https://www.capbench.com/api/public/lenders/central-state-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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