Community State Bank (IA)


Overview / Commentary
712-262-3030
1812 Highway Boulevard
Spencer, IA 51301

Community State Bank (IA) is headquartered in SPENCER and is the 95th largest bank in the state of Iowa. It is also the 2,382nd 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

Health Grade Components

Overall
FDIC Certificate #230
Year Established1914
Employees25
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD18.88%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$323.7MM$334MM
LoansQ1 2025vs Q1 2024$156.7MM$159.6MM
DepositsQ1 2025vs Q1 2024$280.5MM$285.7MM
Equity CapitalQ1 2025vs Q1 2024$24.1MM$24.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.2MM$2.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$378K$1.1MM
Real Estate OwnedQ1 2025vs Q1 2024$927K$0
Rates

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Locations


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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