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President's Message

Welcome to Central State Bank, a full-service community bank based in Muscatine, Iowa.  

Perhaps you’ve come here to learn more about our organization.  Maybe you’re considering joining our team. Or it might be that you’re simply looking for a solid, service-oriented bank to help with your financial needs. In any event, you’ve come to the right place!

Our bank is one of the area’s largest locally-owned financial institutions, with over $300 million in total assets. We serve over 10,000 customer households and businesses --- approximately one in three in our primary trade area --- through a combination of five banking locations in Muscatine and Wilton, plus a full range of alternative delivery channels including ATMs, telephone, mobile and online banking. We’re locally owned and an important part of the Muscatine-based Central Bancshares Inc. organization. With over $700 million in total assets, and over $1 billion in bank and trust assets combined, Central Bancshares is one of eastern Iowa and western Illinois’ leading bank holding companies.  

Beyond the numbers, there are several key concepts that are central to our vision, mission and values.

Our first job is to understand and serve our customers. They are central to everything we do. We accomplish that by offering competitive products and services, quality advice and outstanding service. If we do that, I’m positive good things will happen for not only our customers, but also for our communities, team members and shareholders.

We believe in independent community banking. The concepts of local management and decisions, meaningful local input, empowered and engaged team members, and dedicated local resources, all aligned to help our customers and the communities we serve to grow and prosper. It sets us apart --- and above --- a financial services landscape that far too often is characterized by large, impersonal nationwide institutions.

We’re also committed to investing in our communities – local responses to local needs. Each year, we provide significant financial support to our communities through charitable donations and special programs like Hometown Hundreds and Muskie Mania. Perhaps more important, our team members are encouraged to contribute their time and expertise, spending thousands of hours serving as volunteers, board members and leaders of local charitable organizations.

In today’s uncertain world, financial stability is also an important consideration.  You shouldn’t have to choose between Main Street and Wall Street when considering safety and soundness of your bank. We want you to know that we’re very strong and solid financially, noted for our safe, secure banking practices --- in fact, our safety is almost legendary.

Finally, whether you’re looking for a checking or savings account, investment or trust advice, fulfilling the dream of home ownership, or growing your business or farm operation – I’m confident that our team will be able to help you. We exist to help you save time and money, improve your financial well-being and have peace of mind regarding your banking relationship. Our goal every day is to continue to earn your business and your trust.

We invite you to look around our website and make yourself at home.  If you have any questions or would like additional information about our bank - call, click or stop by to see us. We’ll be happy to assist you!


Bob Howard

President and CEO