FDIC Cert #14633 · Edgewood, Iowa · Est. 1910

Community Savings Bank - FDIC Bank Health Profile

A community-scale look at Community Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$618M
Total assets
B
Health grade · Good
0.94%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Community Savings Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.81% Tier 1, 0.94% ROA, 70% efficiency ratio.

#1,534
largest of 4,313 FDIC banks by assets
64th
percentile by asset size, nationally
12.81%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 14633 · IA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2759/4307
  • PHOTO-FINISH The Malvern National… · AR
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 11.0% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: The Malvern National Bank, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community Savings Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CNB Bank, Inc. · WV · near73/100Community Savings Bank · IA …73/100First Bank of Utica · NE · n…73/100The Farmers State Ba… · KS ·…73/100The Malvern National… · AR ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Savings Bank · July 2026

What Community Savings Bank's Call Report plate shows

Community Savings Bank (FDIC Cert #14633) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,759 of 4,307. Tier 1 capital prints at 12.81%, clearing the 10% well-capitalized line. The Texas Ratio is 11.01%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $618M, 1,534th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Malvern National Bank (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community Savings Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Community Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Community Savings Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Community Savings Bank's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Community Savings Bank's composite health score
Tier 1 Capital Ratio (12.81%) 35/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (11.01%) 16/20
Efficiency Ratio (69.98%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$618M

Total balance-sheet footings

Total Deposits

$494M

Customer-funded liabilities

Net Loans

$429M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.41% 12.81% 14.21%
Basel III capital ratios - Community Savings Bank

Where Community Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Savings Bank's score of 73/100 falls in the highlighted band.

Community Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Community Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Savings Bank's $618M falls in the highlighted band.

Safety ratios for Community Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

12.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.81%
Texas Ratio
11.01%
Equity Capital
$53M

What these ratios mean →

Profitability metrics: Community Savings Bank

Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
11.56%
Efficiency Ratio
69.98%

What these mean →

Income & expense at Community Savings Bank

$32M
Interest Income
$3M
Non-Interest Income
$15M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Savings Bank reports a Texas Ratio of 11.01% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.01% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Community Savings Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($618M here), outside Iowa so the neighborhood is not state containment.

Slovenian Savings and Loan Associatio… $619M · PA Peoples Bank & Trust $618M · IL Phelps County Bank $617M · MO Evergreen Federal Bank $617M · OR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Savings Bank (FDIC Cert #14633) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Community Savings Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%