Headquartered in Spencer, Iowa, Community State Bank is a state-chartered bank with $345.8M in total assets and $295.5M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1914.
Community State Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 154th. Funding & liquidity contributes the most (85/100, 53% loans-to-deposits, 29% uninsured); capital cushion contributes the least (55/100, 10.47%).
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 5 points (73 → 68), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 54 |
| Q4 2024 | 75 |
| Q1 2025 | 77 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 74 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.31% |
| Q3 2024 | 10.39% |
| Q4 2024 | 10.33% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.84% |
| Q3 2025 | 11.02% |
| Q4 2025 | 10.38% |
| Q1 2026 | 10.33% |
| Q2 2026 | 10.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.75% |
| Q3 2024 | 2.54% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $345.8M | 10.47% | 1.24% | 1.42% | 52.9% |
| Q1 2026 | 67 | $341.5M | 10.33% | 0.98% | 1.18% | 53.2% |
| Q4 2025 | 74 | $342.6M | 10.38% | 0.35% | 1.26% | 54.3% |
| Q3 2025 | 73 | $323.9M | 11.02% | 0.85% | 1.43% | 57.1% |
| Q2 2025 | 73 | $318.7M | 10.84% | 0.76% | 1.40% | 56.1% |
| Q1 2025 | 77 | $323.7M | 10.59% | 0.24% | 1.37% | 55.8% |
| Q4 2024 | 75 | $328.4M | 10.33% | 0.27% | 1.24% | 58.7% |
| Q3 2024 | 54 | $325.6M | 10.39% | 2.54% | 1.27% | 58.8% |
| Q2 2024 | 62 | $328.1M | 10.31% | 1.75% | 1.40% | 59.4% |
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 |
| Commercial Savings BankBank Carroll, IA | 62 out of 100, Moderate | $348.8M | 8.4% | 0.99% | vs |
| New Albin Savings BankBank New Albin, IA | 92 out of 100, Very strong | $350.6M | 15.5% | 0.00% | 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 Community State Bank?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.6% of deposits ($84.5M) 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 10.47%, 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%).
7 locations
Branches
Community State Bank lists 7 offices in 7 cities. Most locations:
- Albert City, IA (1)
- Emmetsburg, IA (1)
- Laurens, IA (1)
- Mallard, IA (1)
- Sioux Rapids, IA (1)
- Spencer, IA (1)
- Webb, IA (1)
Identity & history
Profile
- Legal name
- Community State Bank
- Former names
- Albert City Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 230
- RSSD ID
- 849348
- Primary regulator
- FDIC
- Holding company
- Community State Bcorp
- Established
- January 1, 1914
- Headquarters
- 1812 Highway Blvd, Spencer, IA 51301
- Website
- www.ecommunitybank.org
- Employees
- 37
Quick answers
Community State Bank: common questions
Is Community State Bank FDIC insured?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #230). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community State Bank's TellerScore?
68 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 State Bank ever failed?
There is no failure record for FDIC certificate #230 in the FDIC failed bank list.
How many branches does Community State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spencer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| The State BankBank Spirit Lake, IA | 83 out of 100, Strong | $88.4M | 11.7% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Security State BankBank Sutherland, IA | 77 out of 100, Strong | $492.3M | 11.1% | 0.23% | vs |