TellerScore

Community Bank (FDIC certificate #14649) is based in Dunlap, Iowa. Its Q2 2026 call report shows $138.3M in total assets and $122.7M in deposits and 7 offices.

Based on its Q2 2026 filing, Community Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 90th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is capital cushion (60/100; 10.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.99%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 77.8% · 19.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.72%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
707579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202479
Q4 202477
Q1 202579
Q2 202577
Q3 202570
Q4 202570
Q1 202671
Q2 202676
Tier 1 leverage ratio
5.00%8.22%11.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.93%
Q3 202411.45%
Q4 202411.16%
Q1 202510.76%
Q2 202510.88%
Q3 202511.34%
Q4 202511.04%
Q1 202611.01%
Q2 202610.99%
Noncurrent loans
0.00%0.55%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.01%
Q2 20250.32%
Q3 20251.08%
Q4 20251.11%
Q1 20260.68%
Q2 20260.28%
Return on assets
0.78%1.09%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.94%
Q4 20240.86%
Q1 20251.16%
Q2 20251.30%
Q3 20251.35%
Q4 20251.39%
Q1 20261.01%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$138.3M10.99%0.28%1.27%77.8%
Q1 202671$139.7M11.01%0.68%1.01%75.2%
Q4 202570$137.1M11.04%1.11%1.39%76.3%
Q3 202570$132.7M11.34%1.08%1.35%81.4%
Q2 202577$133.1M10.88%0.32%1.30%74.0%
Q1 202579$134.7M10.76%0.01%1.16%67.0%
Q4 202477$128.5M11.16%0.00%0.86%70.1%
Q3 202479$123.9M11.45%0.00%0.94%72.5%
Q2 202476$126.5M10.93%0.00%0.78%68.0%

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).

Capital ratio10.99%
50th
Total risk-based capital16.67%
76th
Problem loans0.28%
58th
Net charge-offs0.72%
3rd
Return on assets1.27%
51st
Net interest margin3.92%
49th
Efficiency ratio57.9%
64th
Loans to deposits77.8%
54th
Uninsured deposits19.8%
65th
Loan-loss reserves0.82%
12th
Texas ratio1.7%
61st

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Corydon State BankBank Corydon, IA71 out of 100, Strong$138.0M25.7%5.45%vs
Citizens State BankBank Wyoming, IA91 out of 100, Very strong$137.7M17.9%0.25%vs
Union State BankBank Winterset, IA70 out of 100, Strong$136.5M8.1%0.00%vs
Farmers Savings BankBank Marshalltown, IA85 out of 100, Very strong$140.3M16.5%0.57%vs
Bridge Community BankBank Mount Vernon, IA74 out of 100, Strong$141.1M10.5%0.03%vs
First State BankBank Belmond, IA67 out of 100, Moderate$141.7M11.2%0.92%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #14649). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($24.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.67% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Community Bank lists 7 offices in 7 cities. Most locations:

  • Dunlap, IA (1)
  • Logan, IA (1)
  • Modale, IA (1)
  • Persia, IA (1)
  • Pisgah, IA (1)
  • Soldier, IA (1)
  • Ute, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank reported 30 home-loan applications under HMDA (LEI 549300FVMNIRTHZI8Z30): 27 originated ($5,395,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Bank
Former names
Dunlap Savings Bank
Type
State-chartered bank
FDIC certificate #
14649
RSSD ID
675042
Primary regulator
FDIC
Holding company
Dunlap Iowa Holding Co
Established
February 23, 1926
Headquarters
601 Iowa Ave, Dunlap, IA 51529
Employees
28

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #14649). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank ever failed?

There is no failure record for FDIC certificate #14649 in the FDIC failed bank list.

How many branches does Community Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dunlap

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County BankBank Blair, NE83 out of 100, Strong$662.3M12.8%0.34%vs
Crawford County Trust and Savings BankBank Denison, IA80 out of 100, Strong$294.5M9.9%0.03%vs
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs
Farmers Trust & Savings BankBank Earling, IA77 out of 100, Strong$148.1M9.0%0.00%vs
The Shelby County State BankBank Harlan, IA74 out of 100, Strong$523.6M10.0%0.40%vs
Telco Triad Community Credit UnionCredit union Sioux City, IA74 out of 100, Strong$160.5M12.2%0.45%vs