TellerScore

Headquartered in Chicago, Illinois, Community Savings Bank is a si with $410.2M in total assets and $357.0M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1925.

Community Savings Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 114th. Problem-loan coverage contributes the most (98/100, 0.9%); earnings contributes the least (11/100, -0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.50%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings11/100
Return on assets (annualized): -0.22%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 65.6% · 5.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.94%

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 (74 → 75).

TellerScore
737576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202474
Q4 202476
Q1 202575
Q2 202574
Q3 202575
Q4 202573
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%9.55%14.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.06%
Q3 202414.10%
Q4 202414.10%
Q1 202514.09%
Q2 202514.11%
Q3 202513.68%
Q4 202513.49%
Q1 202613.52%
Q2 202613.50%
Noncurrent loans
0.11%0.24%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.37%
Q4 20240.15%
Q1 20250.18%
Q2 20250.30%
Q3 20250.11%
Q4 20250.21%
Q1 20260.21%
Q2 20260.20%
Return on assets
-0.71%-0.46%-0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.64%
Q3 2024-0.70%
Q4 2024-0.71%
Q1 2025-0.62%
Q2 2025-0.53%
Q3 2025-0.48%
Q4 2025-0.48%
Q1 2026-0.32%
Q2 2026-0.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$410.2M13.50%0.20%-0.22%65.6%
Q1 202674$408.2M13.52%0.21%-0.32%63.9%
Q4 202573$409.5M13.49%0.21%-0.48%62.7%
Q3 202575$412.2M13.68%0.11%-0.48%61.7%
Q2 202574$409.7M14.11%0.30%-0.53%62.0%
Q1 202575$408.2M14.09%0.18%-0.62%62.6%
Q4 202476$412.6M14.10%0.15%-0.71%61.7%
Q3 202474$419.6M14.10%0.37%-0.70%62.1%
Q2 202475$422.7M14.06%0.25%-0.64%61.5%

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 ratio13.50%
78th
Total risk-based capital0.00%
24th
Problem loans0.20%
65th
Net charge-offs-0.00%
84th
Return on assets-0.22%
3rd
Net interest margin2.39%
2nd
Efficiency ratio110.5%
1st
Loans to deposits65.6%
76th
Uninsured deposits5.5%
99th
Loan-loss reserves1.02%
29th
Texas ratio0.9%
70th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Trust Bank of IllinoisBank Kankakee, IL71 out of 100, Strong$406.3M10.3%0.71%vs
Alliance Community BankBank Petersburg, IL70 out of 100, Strong$414.5M9.1%0.55%vs
Devon BankBank Chicago, IL50 out of 100, Below average$418.6M6.3%0.27%vs
First National Bank of BrookfieldBank Brookfield, IL82 out of 100, Strong$419.6M13.0%0.00%vs
The First National Bank of AllendaleBank Allendale, IL69 out of 100, Moderate$421.2M9.8%0.17%vs
Union National Bank and Trust Company of ElginBank Elgin, IL73 out of 100, Strong$421.8M9.9%0.00%vs

Deposit insurance

Is my money safe at Community Savings Bank?

Yes. Community Savings Bank is an FDIC-insured institution (FDIC certificate #28841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.5% of deposits ($19.6M) 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 13.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community Savings Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Savings Bank reported 63 home-loan applications under HMDA (LEI 254900XX2FPZR1Y4FO11): 53 originated ($20,935,000 total), 2 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, 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
Community Savings and Loan Association
Type
SI
FDIC certificate #
28841
RSSD ID
520777
Primary regulator
FDIC
Established
January 1, 1925
Headquarters
4801 W Belmont Ave, Chicago, IL 60641
Employees
55

Quick answers

Community Savings Bank: common questions

Is Community Savings Bank FDIC insured?

Yes. Community Savings Bank is an FDIC-insured institution (FDIC certificate #28841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Savings Bank's TellerScore?

75 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 Savings Bank ever failed?

There is no failure record for FDIC certificate #28841 in the FDIC failed bank list.

How many branches does Community Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chicago

InstitutionScoreAssetsCapitalProblem loansCompare
Pilgrim Baptist Credit UnionCredit union Chicago, IL100 out of 100, Very strong$263K25.8%0.00%vs
M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$418K18.5%—vs
Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL100 out of 100, Very strong$10.0M19.4%0.00%vs
Israel Methcomm Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$2.0M15.5%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs