Banks in Central City, IA

Bank branch map: Central City

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Central City, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Central City

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Heartland Bank and Ohnward Bank & Trust have the most locations in Central City, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Heartland Bank 1 branch · main office Bloomington, IL Bank · 1

Heartland Bank has 1 branch in Central City, 4 across Iowa and 87 nationwide. FDIC records list its main office in Bloomington, IL and show it operating since 1971. With $6.72 billion in total assets on June 30, 2026, it ranks No. 231 of 4,232 U.S. banks by total assets. The Central City Branch at 59 4th St N dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Central City Branch

  59 4th St N, 52214

  Hours: see the bank's site
  DirectionsWebsite

Heartland Bank: profile, branches and contacts

Ohnward Bank & Trust 1 branch · main office Cascade, IA Bank · 1

Ohnward Bank & Trust has 1 branch in Central City, 6 across Iowa and 6 nationwide. FDIC records list its main office in Cascade, IA and show it operating since 1903. With $499.1 million in total assets on June 30, 2026, it ranks No. 1,797 of 4,232 U.S. banks by total assets. The Central City Branch at 401 E Main St dates to 2015 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Central City Branch

  401 E Main St, 52214

  Hours: see the bank's site
  DirectionsWebsite

Ohnward Bank & Trust: profile, branches and contacts

Banking in Central City: the local picture

Short answer: 2 banks run 2 branches in Central City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Central City, 1 elsewhere in Iowa and 1 out of state, according to the FDIC.

The bank with the longest record here is Ohnward Bank & Trust, operating since 1903 according to the FDIC. In FDIC branch records, the longest-running branch is Ohnward Bank & Trust's office at 401 E Main St, dating to 2015; the newest is Heartland Bank's at 59 4th St N, from 2021.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Central City, and where the nearest one is if they do not.

Short answer: No branches in Central City: Chase (nearest in Cedar Rapids, 20 mi), Wells Fargo (nearest in Marion, 13 mi), Bank of America (nearest in Des Moines, 117 mi), PNC Bank, U.S. Bank (nearest in Marion, 12 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Waterloo, 46 mi), TD Bank, BMO (nearest in Marion, 12 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Central City to the nearest branch in Iowa.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Central City residents like anyone else.

Banks near Central City

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Springville (11 miles) and Marion (12 miles). Cedar Rapids, 17 miles away, has the most banks nearby: 18.

Bank branch openings and closings in Central City

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Central City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Central City by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Central City offices.

Short answer: Heartland Bank is the largest bank with offices in Central City, with $6.72 billion in total assets on June 30, 2026, No. 231 among U.S. banks by total assets. Ohnward Bank & Trust is second with $499.1 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Central City: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.