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Overview / Commentary
1812 Highway Boulevard
Spencer, IA 51301

Community State Bank (IA) is headquartered in Spencer and is the 109th largest bank in the state of Iowa. It is also the 2,947th largest bank in the nation. It was established in 1914 and as of March of 2018, it had grown to 28 employees at 4 locations. Community State Bank (IA)'s CD rates are 87% higher than the national average, and it boasts an A+ health rating.


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Health Grade Components

FDIC Certificate #230
Year Established1914
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.32%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$198.5MM$160.0MM
LoansQ1 2018vs Q1 2017$110.3MM$95.8MM
DepositsQ1 2018vs Q1 2017$158.7MM$130.4MM
Equity CapitalQ1 2018vs Q1 2017$20.1MM$16.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.2MM$1.4MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$25.00K$0
Real Estate OwnedQ1 2018vs Q1 2017$0$15.00K
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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

0.66%--Health Savings Account.
0.10%$100-Savings Account

Community State Bank (IA) Money Market Rates

0.66%*$250k*-Money Market Savings
OTHER TIERS: 0.14% $2,500 - $7,500 | 0.17% $7,500 - $15k | 0.27% $15k - $30k | 0.31% $30k - $60k | 0.44% $60k - $250k

Community State Bank (IA) Checking Account Rates

0.52%*$250k*-Interest Checking
OTHER TIERS: 0.12% $1k - $15k | 0.16% $15k - $30k | 0.23% $30k - $60k | 0.35% $60k - $250k

Community State Bank (IA) CD Rates

2.26%$1k-60 Month CD
1.92%*$10k*-48 Month CD
OTHER TIERS: 1.82% $1k - $10k
1.86%*$10k*-36 Month CD
OTHER TIERS: 1.16% $1k - $10k
1.85%*$10k*-30 Month CD
OTHER TIERS: 1.12% $1k - $10k
1.79%*$10k*-24 Month CD
OTHER TIERS: 1.07% $1k - $10k
1.76%*$10k*-18 Month CD
OTHER TIERS: 1.01% $1k - $10k
1.68%*$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

2.26%$10k-60 Month IRA
1.92%$10k-48 Month IRA
1.86%$10k-36 Month IRA
1.85%$10k-30 Month IRA
1.79%$10k-24 Month IRA
1.76%$10k-18 Month IRA
1.68%$10k-12 Month IRA
1.66%$10k-6 Month IRA
0.70%$10k-3 Month IRA
0.66%$1k-18 Month Variable IRA

Community State Bank (IA) Locations
Webb Branch115 Main StreetWebb, IA 51366
Community State Bank1812 Highway BoulevardSpencer, IA 51301
Albert City Branch208 Main StreetAlbert City, IA 50510
Sioux Rapids Branch123 Main StreetSioux Rapids, IA 50585

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