Commercial Savings Bank

Overview / Commentary

www.csbcarroll.com

712-792-4346

325 W Hwy 30
Carroll, IA 51401

Commercial Savings Bank is headquartered in Carroll and is the 121^st largest bank in the state of Iowa. It is also the 2,923^rd largest bank in the nation. It was established in 1917 and as of December of 2019, it had grown to 27 employees at 2 locations. Commercial Savings Bank's money market rates are 36% higher than the national average, and it has a B health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	231
Year Established	1917
Employees	27
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.38%
Return on Equity - YTD	16.89%
Annual Interest Income	$8.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$195.0MM$194.0MM
Loans	Q4 2019vs Q4 2018	$147.7MM$145.8MM
Deposits	Q4 2019vs Q4 2018	$159.5MM$165.0MM
Equity Capital	Q4 2019vs Q4 2018	$16.4MM$14.8MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.7MM$1.6MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$567.00K$30.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Commercial Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$10k^*	-	IRA Account
OTHER TIERS: 0.85% → $100 - $10k
0.15%	-	-	Passbook Savings
0.15%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $10k
0.15%	-	-	CSBeez Kidz Savings
0.15%	-	-	Business Passbook Savings

Commercial Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$500k^*	-	Money Market Savings
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $500k
0.60%^*	$500k^*	-	Business Money Market Savings
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $500k

Commercial Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Commercial Gold Checking
0.10%	-	-	NOW Interest on Checking
0.10%	$500	-	CSB Checking Plus
0.10%	-	-	Business Interest Bearing Checking

Commercial Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$10k^*	-	60 Month Time Certificate
OTHER TIERS: 0.85% → $1k - $10k
1.10%^*	$10k^*	-	Business 60 Month Time Certificate
OTHER TIERS: 0.85% → $1k - $10k
1.00%^*	$10k^*	-	48 Month Time Certificate
OTHER TIERS: 0.75% → $1k - $10k
1.00%^*	$10k^*	-	Business 48 Month Time Certificate
OTHER TIERS: 0.75% → $1k - $10k
0.90%^*	$10k^*	-	36 Month Time Certificate
OTHER TIERS: 0.65% → $1k - $10k
0.90%^*	$10k^*	-	Business 36 Month Time Certificate
OTHER TIERS: 0.65% → $1k - $10k
0.80%^*	$10k^*	-	30 Month Time Certificate
OTHER TIERS: 0.55% → $1k - $10k
0.80%^*	$10k^*	-	Business 30 Month Time Certificate
OTHER TIERS: 0.55% → $1k - $10k
0.75%^*	$10k^*	-	13 Month Non-Renewable Time Certificate
OTHER TIERS: 0.50% → $1k - $10k
0.75%^*	$10k^*	-	Business 13 Month Non-Renewable Time Certificate
OTHER TIERS: 0.50% → $1k - $10k
0.70%^*	$10k^*	-	24 Month Time Certificate
OTHER TIERS: 0.45% → $1k - $10k
0.70%^*	$10k^*	-	Business 24 Month Time Certificate
OTHER TIERS: 0.45% → $1k - $10k
0.55%^*	$10k^*	-	16 Month Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.55%^*	$10k^*	-	18 Month Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.55%^*	$10k^*	-	Business 16 Month Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.55%^*	$10k^*	-	Business 18 Month Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.50%^*	$10k^*	-	12 Month Time Certificate
OTHER TIERS: 0.25% → $1k - $10k
0.50%^*	$10k^*	-	Business 12 Month Time Certificate
OTHER TIERS: 0.25% → $1k - $10k
0.45%^*	$10k^*	-	6 Month Time Certificate
OTHER TIERS: 0.20% → $1k - $10k
0.45%^*	$10k^*	-	7 Month Time Certificate
OTHER TIERS: 0.20% → $1k - $10k
0.45%^*	$10k^*	-	Business 6 Month Time Certificate
OTHER TIERS: 0.20% → $1k - $10k
0.45%^*	$10k^*	-	Business 7 Month Time Certificate
OTHER TIERS: 0.20% → $1k - $10k
0.20%	$10k	-	90 Day Time Certificate
0.20%	$10k	-	Business 90 Day Time Certificate

Commercial Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$10k^*	-	60 Month IRA Time Certificate
OTHER TIERS: 0.85% → $1k - $10k
1.00%^*	$10k^*	-	48 Month IRA Time Certificate
OTHER TIERS: 0.75% → $1k - $10k
0.90%^*	$10k^*	-	36 Month IRA Time Certificate
OTHER TIERS: 0.65% → $1k - $10k
0.80%^*	$10k^*	-	30 Month IRA Time Certificate
OTHER TIERS: 0.55% → $1k - $10k
0.75%^*	$10k^*	-	13 Month Non-Renewable IRA Time Certificate
OTHER TIERS: 0.50% → $1k - $10k
0.70%^*	$10k^*	-	24 Month IRA Time Certificate
OTHER TIERS: 0.45% → $1k - $10k
0.55%^*	$10k^*	-	16 Month IRA Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.55%^*	$10k^*	-	18 Month IRA Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.50%^*	$10k^*	-	12 Month IRA Time Certificate
OTHER TIERS: 0.30% → $1k - $10k
0.45%^*	$10k^*	-	6 Month IRA Time Certificate
OTHER TIERS: 0.20% → $1k - $10k
0.45%^*	$10k^*	-	7 Month IRA Time Certificate
OTHER TIERS: 0.25% → $1k - $10k
0.20%	$10k	-	90 Day IRA Time Certificate

Commercial Savings Bank Locations
Commercial Savings Bank	325 W Hwy 30	Carroll, IA 51401
Dedham Branch	402 2nd Street	Dedham, IA 51440