Community State Bank (IA)

Overview / Commentary
1812 Highway Boulevard
Spencer, IA 51301

Community State Bank (IA) is headquartered in Spencer and is the 83rd largest bank in the state of Iowa. It is also the 2,308th largest bank in the nation. It was established in 1914 and as of September of 2021, it had grown to 38 employees at 7 locations. Community State Bank (IA) has an A+ health rating.


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Health Grade Components

FDIC Certificate #230
Year Established1914
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.73%
Return on Equity - YTD16.42%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$340.7MM$228.5MM
LoansQ3 2021vs Q3 2020$144.6MM$128.5MM
DepositsQ3 2021vs Q3 2020$291.7MM$188.0MM
Equity CapitalQ3 2021vs Q3 2020$35.3MM$25.7MM
Loan Loss AllowanceQ3 2021vs Q3 2020$2.3MM$2.2MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$224.00K$254.00K
Real Estate OwnedQ3 2021vs Q3 2020$0$0
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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

0.21%--Health Savings Account.
0.05%$100-Savings Account

Community State Bank (IA) Money Market Rates

0.21%*$250k*-Money Market Savings
OTHER TIERS: 0.05% $2.5k - $15k | 0.09% $15k - $30k | 0.13% $30k - $60k | 0.15% $60k - $250k

Community State Bank (IA) Checking Account Rates

0.14%*$250k*-Interest Checking
OTHER TIERS: 0.03% $1k - $15k | 0.05% $15k - $60k | 0.07% $60k - $250k

Community State Bank (IA) CD Rates

1.01%$1k-60 Month CD
0.69%*$10k*-48 Month CD
OTHER TIERS: 0.59% $1k - $10k
0.59%*$10k*-36 Month CD
OTHER TIERS: 0.39% $1k - $10k
0.53%*$10k*-30 Month CD
OTHER TIERS: 0.33% $1k - $10k
0.48%*$10k*-24 Month CD
OTHER TIERS: 0.29% $1k - $10k
0.43%*$10k*-18 Month CD
OTHER TIERS: 0.27% $1k - $10k
0.40%*$10k*-12 Month CD
OTHER TIERS: 0.21% $1k - $10k
0.30%*$10k*-6 Month CD
OTHER TIERS: 0.18% $1k - $10k
0.25%*$10k*-3 Month CD
OTHER TIERS: 0.10% $1k - $10k

Community State Bank (IA) IRA Rates

1.01%$10k-60 Month IRA
0.69%$10k-48 Month IRA
0.59%$10k-36 Month IRA
0.53%$10k-30 Month IRA
0.48%$10k-24 Month IRA
0.43%$10k-18 Month IRA
0.40%$10k-12 Month IRA
0.30%$10k-6 Month IRA
0.25%$10k-3 Month IRA
0.21%$1k-18 Month Variable IRA

Community State Bank (IA) Locations
Webb Branch115 Main StreetWebb, IA 51366
Community State Bank1812 Highway BlvdSpencer, IA 51301
Albert City Branch208 Main StreetAlbert City, IA 50510
Sioux Rapids Branch123 Main StreetSioux Rapids, IA 50585
Emmetsburg Branch2407 Main StreetEmmetsburg, IA 50536
Mallard Branch602 Inman StreetMallard, IA 50562
Laurens Branch102 South Third StreetLaurens, IA 50554

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