Community State Bank (IA)

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

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Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

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Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 95^th largest bank in the state of Iowa. It is also the 2,382^nd largest bank in the nation. It was established in 1914 and as of March of 2025, it had grown to 25 employees at 7 locations. Community State Bank (IA) has a B health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	230
Year Established	1914
Employees	25
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.37%
Return on Equity - YTD	18.88%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$323.7MM$334MM
Loans	Q1 2025vs Q1 2024	$156.7MM$159.6MM
Deposits	Q1 2025vs Q1 2024	$280.5MM$285.7MM
Equity Capital	Q1 2025vs Q1 2024	$24.1MM$24.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.2MM$2.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$378K$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$927K$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Community State Bank (IA) are currently being reviewed.

Locations

Community State Bank (IA) Locations
Webb Branch	115 Main Street	Webb, IA 51366
Community State Bank	1812 Highway Blvd	Spencer, IA 51301
Albert City Branch	208 Main Street	Albert City, IA 50510
Sioux Rapids Branch	123 Main Street	Sioux Rapids, IA 50585
Emmetsburg Branch	2407 Main Street	Emmetsburg, IA 50536
Mallard Branch	602 Inman Street	Mallard, IA 50562
Laurens Branch	102 South Third Street	Laurens, IA 50554

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