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 108^th largest bank in the state of Iowa. It is also the 2,856^th largest bank in the nation. It was established in 1914 and as of June of 2019, it had grown to 27 employees at 4 locations. Community State Bank (IA)'s CD rates are 2X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	230
Year Established	1914
Employees	27
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.48%
Return on Equity - YTD	14.01%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$202.6MM$201.0MM
Loans	Q2 2019vs Q2 2018	$111.7MM$112.1MM
Deposits	Q2 2019vs Q2 2018	$163.1MM$158.7MM
Equity Capital	Q2 2019vs Q2 2018	$23.2MM$20.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.4MM$1.3MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$49.00K$23.00K
Real Estate Owned	Q2 2019vs Q2 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.

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
0.82%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.17% → $2.5k - $7.5k \| 0.20% → $7.5k - $15k \| 0.30% → $15k - $30k \| 0.46% → $30k - $60k \| 0.52% → $60k - $250k

Community State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.57%^*	$250k^*	-	Interest Checking
OTHER TIERS: 0.15% → $1k - $15k \| 0.19% → $15k - $30k \| 0.25% → $30k - $60k \| 0.38% → $60k - $250k

Community State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$10k^*	-	6 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.02%^*	$10k^*	-	12 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.02%^*	$10k^*	-	18 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.02%^*	$10k^*	-	24 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.02%^*	$10k^*	-	30 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.02%^*	$10k^*	-	36 Month CD
OTHER TIERS: 1.01% → $1k - $10k
2.02%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.62% → $1k - $10k
2.02%	$1k	-	60 Month CD
0.80%^*	$10k^*	-	3 Month CD
OTHER TIERS: 0.45% → $1k - $10k

Community State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$10k	-	6 Month IRA
2.02%	$10k	-	12 Month IRA
2.02%	$10k	-	18 Month IRA
2.02%	$10k	-	24 Month IRA
2.02%	$10k	-	30 Month IRA
2.02%	$10k	-	36 Month IRA
2.02%	$10k	-	48 Month IRA
2.02%	$10k	-	60 Month IRA
0.80%	$10k	-	3 Month IRA
0.77%	$1k	-	18 Month Variable 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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