Community State Bank (IA)

Overview / Commentary

www.ecommunitybank.org

712-262-3030

1812 Highway Boulevard
Spencer, IA 51301

Community State Bank (IA) is headquartered in Spencer and is the 103^rd largest bank in the state of Iowa. It is also the 2,812^th largest bank in the nation. It was established in 1914 and as of December of 2018, it had grown to 28 employees at 4 locations. Community State Bank (IA)'s CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	230
Year Established	1914
Employees	28
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.12%
Return on Equity - YTD	11.2%
Annual Interest Income	$8.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$209.0MM$207.2MM
Loans	Q4 2018vs Q4 2017	$112.9MM$110.2MM
Deposits	Q4 2018vs Q4 2017	$174.8MM$174.1MM
Equity Capital	Q4 2018vs Q4 2017	$20.2MM$21.1MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.2MM$1.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$21.00K$306.00K
Real Estate Owned	Q4 2018vs Q4 2017	$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.

Community State Bank (IA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.77%	-	-	Health Savings Account.
0.10%	$100	-	Savings Account

Community State Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.77%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.16% → $2.5k - $7.5k \| 0.19% → $7.5k - $15k \| 0.29% → $15k - $30k \| 0.45% → $30k - $60k \| 0.49% → $60k - $250k

Community State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$250k^*	-	Interest Checking
OTHER TIERS: 0.14% → $1k - $15k \| 0.18% → $15k - $30k \| 0.25% → $30k - $60k \| 0.37% → $60k - $250k

Community State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.37%^*	$10k^*	-	60 Month CD
OTHER TIERS: 2.26% → $1k - $10k
2.12%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.82% → $1k - $10k
2.00%^*	$10k^*	-	18 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.00%^*	$10k^*	-	24 Month CD
OTHER TIERS: 1.07% → $1k - $10k
2.00%^*	$10k^*	-	30 Month CD
OTHER TIERS: 1.12% → $1k - $10k
2.00%^*	$10k^*	-	36 Month CD
OTHER TIERS: 1.16% → $1k - $10k
1.92%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.91% → $1k - $10k
1.66%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.88% → $1k - $10k
0.70%^*	$10k^*	-	3 Month CD
OTHER TIERS: 0.40% → $1k - $10k

Community State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.37%	$10k	-	60 Month IRA
2.12%	$10k	-	48 Month IRA
2.00%	$10k	-	18 Month IRA
2.00%	$10k	-	24 Month IRA
2.00%	$10k	-	30 Month IRA
2.00%	$10k	-	36 Month IRA
1.92%	$10k	-	12 Month IRA
1.66%	$10k	-	6 Month IRA
0.77%	$1k	-	18 Month Variable IRA
0.70%	$10k	-	3 Month IRA

Locations

Community State Bank (IA) Locations
Webb Branch	115 Main Street	Webb, IA 51366
Community State Bank	1812 Highway Boulevard	Spencer, IA 51301
Albert City Branch	208 Main Street	Albert City, IA 50510
Sioux Rapids Branch	123 Main Street	Sioux Rapids, IA 50585

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