TellerScore

Community Savings Bank (FDIC certificate #14633) is based in Edgewood, Iowa. Its Q2 2026 call report shows $613.6M in total assets and $501.4M in deposits and 12 offices.

Community Savings Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 170th. Problem-loan coverage contributes the most (85/100, 7.4%); capital cushion contributes the least (51/100, 10.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.05%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 83.8% · 29.2% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.36%

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 rose 5 points (60 → 65), mostly because the loan quality component improved by 9 points.

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202463
Q1 202558
Q2 202560
Q3 202560
Q4 202555
Q1 202661
Q2 202665
Tier 1 leverage ratio
5.00%7.53%10.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.67%
Q3 20249.83%
Q4 20249.64%
Q1 20259.55%
Q2 20259.81%
Q3 20259.87%
Q4 20259.82%
Q1 20269.92%
Q2 202610.05%
Noncurrent loans
0.25%0.87%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.25%
Q4 20240.30%
Q1 20250.95%
Q2 20250.91%
Q3 20250.99%
Q4 20251.48%
Q1 20261.03%
Q2 20260.63%
Return on assets
0.58%0.80%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.66%
Q4 20240.73%
Q1 20250.82%
Q2 20250.90%
Q3 20250.93%
Q4 20250.94%
Q1 20261.01%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$613.6M10.05%0.63%1.02%83.8%
Q1 202661$616.1M9.92%1.03%1.01%84.7%
Q4 202555$618.4M9.82%1.48%0.94%86.8%
Q3 202560$599.8M9.87%0.99%0.93%94.6%
Q2 202560$605.9M9.81%0.91%0.90%93.1%
Q1 202558$607.5M9.55%0.95%0.82%93.8%
Q4 202463$609.8M9.64%0.30%0.73%94.9%
Q3 202465$586.2M9.83%0.25%0.66%91.7%
Q2 202463$577.8M9.67%0.26%0.58%89.5%

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 ratio10.05%
33rd
Total risk-based capital14.80%
67th
Problem loans0.63%
40th
Net charge-offs0.18%
14th
Return on assets1.02%
35th
Net interest margin3.55%
30th
Efficiency ratio66.4%
38th
Loans to deposits83.8%
41st
Uninsured deposits29.2%
31st
Loan-loss reserves1.21%
52nd
Texas ratio7.4%
25th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Savings BankBank Indianola, IA65 out of 100, Moderate$610.4M10.0%0.91%vs
Farmers & Merchants Savings BankBank Manchester, IA61 out of 100, Moderate$616.8M12.4%1.70%vs
Farmers Trust and Savings BankBank Spencer, IA57 out of 100, Moderate$618.0M9.5%1.45%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
South Story Bank & TrustBank Slater, IA57 out of 100, Moderate$623.9M10.9%0.78%vs
Liberty National BankBank Sioux City, IA71 out of 100, Strong$624.4M10.3%0.00%vs

Deposit insurance

Is my money safe at Community Savings Bank?

Yes. Community Savings Bank is an FDIC-insured institution (FDIC certificate #14633). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.2% of deposits ($146.3M) 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 10.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Community Savings Bank lists 12 offices in 11 cities. Most locations:

  • Cedar Rapids, IA (2)
  • Coggon, IA (1)
  • Dyersville, IA (1)
  • Earlville, IA (1)
  • Edgewood, IA (1)
  • Garnavillo, IA (1)
  • Guttenberg, IA (1)
  • Manchester, IA (1)
  • Marion, IA (1)
  • Peosta, IA (1)
  • Robins, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Savings Bank reported 248 home-loan applications under HMDA (LEI 254900SPZRGOBHSHRP90): 180 originated ($31,040,000 total), 38 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.2%, 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 Savings Bank
Former names
Littleport Savings Bank
Type
State-chartered bank
FDIC certificate #
14633
RSSD ID
646743
Primary regulator
FDIC
Holding company
Community Financial Corp
Established
January 10, 1910
Headquarters
101 E Union St, Edgewood, IA 52042
Employees
85

Quick answers

Community Savings Bank: common questions

Is Community Savings Bank FDIC insured?

Yes. Community Savings Bank is an FDIC-insured institution (FDIC certificate #14633). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Savings Bank's TellerScore?

65 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 Community Savings Bank ever failed?

There is no failure record for FDIC certificate #14633 in the FDIC failed bank list.

How many branches does Community Savings Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Edgewood

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs
Dupaco Community Credit UnionCredit union Dubuque, IA77 out of 100, Strong$3.5B13.3%0.77%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
Central State BankBank Coralville, IA76 out of 100, Strong$419.3M10.3%0.02%vs
FreedomBankBank Elkader, IA73 out of 100, Strong$433.9M10.7%0.26%vs
GreatAmerica Bank National AssociationBank Cedar Rapids, IA73 out of 100, Strong$450.0M61.6%0.00%vs