Headquartered in Carroll, Iowa, Commercial Savings Bank is a state-chartered bank (fed member) with $348.8M in total assets and $292.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1917.
Based on its Q2 2026 filing, Commercial Savings Bank scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 184th. Its strongest component is earnings (100/100; 2.04%), and its lowest is capital cushion (34/100; 8.44%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 7 points (69 → 62), mostly because the loan quality component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 66 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 70 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.48% |
| Q3 2024 | 7.41% |
| Q4 2024 | 7.84% |
| Q1 2025 | 8.13% |
| Q2 2025 | 8.38% |
| Q3 2025 | 8.71% |
| Q4 2025 | 8.72% |
| Q1 2026 | 8.64% |
| Q2 2026 | 8.44% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.99% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.89% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.96% |
| Q2 2026 | 2.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $348.8M | 8.44% | 0.99% | 2.04% | 97.3% |
| Q1 2026 | 70 | $333.5M | 8.64% | 0.35% | 1.96% | 98.4% |
| Q4 2025 | 68 | $335.6M | 8.72% | 0.26% | 1.59% | 94.4% |
| Q3 2025 | 69 | $316.0M | 8.71% | 0.32% | 1.68% | 96.9% |
| Q2 2025 | 69 | $311.8M | 8.38% | 0.25% | 1.66% | 95.0% |
| Q1 2025 | 66 | $321.2M | 8.13% | 0.21% | 1.37% | 88.0% |
| Q4 2024 | 58 | $318.8M | 7.84% | 0.55% | 0.89% | 87.7% |
| Q3 2024 | 58 | $309.3M | 7.41% | 0.37% | 0.91% | 89.2% |
| Q2 2024 | 59 | $297.7M | 7.48% | 0.38% | 0.83% | 87.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kerndt Brothers Savings BankBank Lansing, IA | 79 out of 100, Strong | $347.2M | 10.9% | 0.65% | vs |
| New Albin Savings BankBank New Albin, IA | 92 out of 100, Very strong | $350.6M | 15.5% | 0.00% | vs |
| Community State BankBank Spencer, IA | 68 out of 100, Moderate | $345.8M | 10.5% | 1.24% | vs |
| Iowa State Bank and Trust Company of Fairfield, IowaBank Fairfield, IA | 64 out of 100, Moderate | $352.1M | 8.0% | 0.10% | vs |
| Glenwood State BankBank Glenwood, IA | 77 out of 100, Strong | $352.9M | 12.5% | 1.51% | vs |
| Premier BankBank Dubuque, IA | 67 out of 100, Moderate | $357.7M | 8.9% | 0.07% | vs |
Deposit insurance
Is my money safe at Commercial Savings Bank?
Yes. Commercial Savings Bank is an FDIC-insured institution (FDIC certificate #231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.2% of deposits ($79.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.44%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.66% (benchmark: 10%).
2 locations
Branches
Commercial Savings Bank lists 2 offices in 2 cities. Most locations:
- Carroll, IA (1)
- Dedham, IA (1)
Identity & history
Profile
- Legal name
- Commercial Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 231
- RSSD ID
- 194440
- Primary regulator
- FED
- Holding company
- Commercial Ban Corp
- Established
- January 1, 1917
- Headquarters
- 325 W Us Highway 30, Carroll, IA 51401
- Website
- www.csbcarroll.com
- Employees
- 26
Quick answers
Commercial Savings Bank: common questions
Is Commercial Savings Bank FDIC insured?
Yes. Commercial Savings Bank is an FDIC-insured institution (FDIC certificate #231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Savings Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Savings Bank ever failed?
There is no failure record for FDIC certificate #231 in the FDIC failed bank list.
How many branches does Commercial Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carroll
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Templeton Savings BankBank Templeton, IA | 93 out of 100, Very strong | $169.6M | 14.5% | 0.00% | vs |
| The First National Bank of ManningBank Manning, IA | 91 out of 100, Very strong | $87.7M | 15.0% | 0.00% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| Breda Savings BankBank Breda, IA | 82 out of 100, Strong | $106.0M | 10.9% | 0.00% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| The Shelby County State BankBank Harlan, IA | 74 out of 100, Strong | $523.6M | 10.0% | 0.40% | vs |