TellerScore

Community State Bank is a state-chartered bank (fed member) headquartered in Ankeny, Iowa, in business for about 66 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.3B in deposits, with 10 offices.

Based on its Q2 2026 filing, Community State Bank scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 86th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is funding & liquidity (52/100; 101% loans-to-deposits, 22% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.67%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 101.2% · 21.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.15%

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 2 points (74 → 76), mostly because the loan quality component improved by 9 points.

TellerScore
717578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202478
Q1 202571
Q2 202574
Q3 202578
Q4 202575
Q1 202676
Q2 202676
Tier 1 leverage ratio
5.00%8.46%11.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.30%
Q3 202411.47%
Q4 202411.72%
Q1 202511.74%
Q2 202511.75%
Q3 202511.72%
Q4 202511.42%
Q1 202611.92%
Q2 202611.67%
Noncurrent loans
0.01%0.30%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.12%
Q4 20240.07%
Q1 20250.59%
Q2 20250.45%
Q3 20250.01%
Q4 20250.15%
Q1 20260.19%
Q2 20260.19%
Return on assets
1.07%1.20%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.33%
Q4 20241.32%
Q1 20251.07%
Q2 20251.19%
Q3 20251.26%
Q4 20251.21%
Q1 20261.33%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.7B11.67%0.19%1.34%101.2%
Q1 202676$1.7B11.92%0.19%1.33%99.4%
Q4 202575$1.7B11.42%0.15%1.21%94.5%
Q3 202578$1.7B11.72%0.01%1.26%97.0%
Q2 202574$1.6B11.75%0.45%1.19%93.8%
Q1 202571$1.6B11.74%0.59%1.07%95.6%
Q4 202478$1.5B11.72%0.07%1.32%91.3%
Q3 202478$1.5B11.47%0.12%1.33%90.6%
Q2 202476$1.5B11.30%0.13%1.25%96.8%

897 peers · $1 billion – $10 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 ratio11.67%
72nd
Total risk-based capital12.74%
38th
Problem loans0.19%
78th
Net charge-offs-0.01%
95th
Return on assets1.34%
58th
Net interest margin3.48%
36th
Efficiency ratio59.7%
48th
Loans to deposits101.2%
12th
Uninsured deposits21.7%
79th
Loan-loss reserves1.00%
31st
Texas ratio1.2%
81st

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Availa BankBank Carroll, IA65 out of 100, Moderate$1.7B9.3%0.26%vs
Lincoln Savings BankBank Reinbeck, IA27 out of 100, Low$1.7B9.1%4.32%vs
CBI Bank & TrustBank Muscatine, IA64 out of 100, Moderate$1.7B10.2%1.01%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Farmers State BankBank Waterloo, IA72 out of 100, Strong$1.6B11.2%0.01%vs

Deposit insurance

Is my money safe at Community State Bank?

Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #18272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.7% of deposits ($273.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.74% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Community State Bank lists 10 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community State Bank reported 116 home-loan applications under HMDA (LEI 549300JVXDPLF4P32H95): 100 originated ($107,220,000 total), 6 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, 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 State Bank
Former names
Community State Bank, National Association; Altoona State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
18272
RSSD ID
790543
Primary regulator
FED
Holding company
Qcr Holdings Inc
Established
July 15, 1960
Headquarters
2750 Ne 36th St, Ankeny, IA 50021
Employees
153

Quick answers

Community State Bank: common questions

Is Community State Bank FDIC insured?

Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #18272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community State 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 State Bank ever failed?

There is no failure record for FDIC certificate #18272 in the FDIC failed bank list.

How many branches does Community State Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ankeny

InstitutionScoreAssetsCapitalProblem loansCompare
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs