Community State Bank

BankSpencer, Iowa
www.ecommunitybank.org

Total Assets

$342.6M

Total Deposits

$291.2M

Branches

7

Established

1914

TFS Health Grade

$
D

64.2 / 100

Below average financial health

How we grade

Community State Bank is a bank headquartered in Spencer, Iowa, established in 1914. With $342.6M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D (64.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.38%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.35%

Profitability

Return on Assets (ROA)
1.26%(1%)
Return on Equity (ROE)
16.49%(10%)
Net Interest Margin
3.25%
Efficiency Ratio
57.32%(60%)

Lending & Liquidity

Total Loans
$160.3M
Loan-to-Deposit Ratio
54.32%
Net Charge-Off Ratio
0.11%

Growth

Asset Growth (YoY)
+4.32%
Deposit Growth (YoY)
+4.42%
Net Income
$4.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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