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Community State Bank
Spencer, IA · FDIC Certificate #230 · Chartered 01/0
Total assets
$345.78M
Total deposits
$295.54M
Total equity
$29.27M
Net loans
$156.44M
Branches (offices)
7
Net income (YTD)
$2.44M
Rank: #2,267 of 4,213 U.S. banks by assets · #95 of 225 in Iowa. Assets changed 8.5% and deposits 6.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 17.27% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 8.46% |
| Tier 1 leverage ratio | 10.47% |
| Uninsured deposits (share of deposits) | 28.6% |
| Noncurrent loans (share of loans) | 1.24% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 52.9% |
| Real estate loans (share of loans) | 61.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.44M | 61.0% | |
| Commercial & industrial | $39.21M | 25.1% | |
| Consumer / individual | $2.19M | 1.4% | |
| Construction & development | $1.51M | 1.0% | |
| Agricultural | $20.71M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $336.51M | $305.83M | $2.13M | $18.25M |
| Jun 2023 | $328.59M | $282.99M | $2.58M | $21.34M |
| Jun 2024 | $328.06M | $276.83M | $2.33M | $23.88M |
| Jun 2025 | $318.73M | $276.76M | $2.26M | $22.72M |
| Jun 2026 | $345.78M | $295.54M | $2.44M | $29.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $295.54M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $295.54M.
Similar-sized banks
Ozona Bank ($346.07M) · Waumandee State Bank ($345.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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