Community Savings Bank
Edgewood, IA · Cert 14633 · Peer group: banks under $1B in assets in IA (n=134-135) · Community Financial Corp.
State charter, non-member · FDIC · 12 branches
Q2 2026
$613.6MAssets
$425.1MLoans
$501.4MDeposits
$55.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 59% of banks under $1B in assets in IA (rank 55 of 135).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in IA (rank 116 of 134).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.83%
Rank 110 of 135
Net Interest Margin
3.31%
Rank 79 of 135
Efficiency Ratio
66.38%
Rank 109 of 135
Equity / Assets
8.98%
Rank 115 of 135
Non-interest income vs. expense
Unfavorable gap of $12.8M · efficiency ratio beats 20% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.92% | 1.19% | 1.47% | Beats 19% | 110 / 135 | |
| Return on Equity | 9.26% | 7.99% | 10.26% | 13.14% | Beats 38% | 84 / 135 | |
| Net Interest Margin | 3.31% | 2.95% | 3.41% | 3.73% | Beats 41% | 79 / 135 | |
| Efficiency Ratio | 66.38% | 50.61% | 57.35% | 63.29% | Beats 20% | 109 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.03% | 0.51% | 1.26% | Beats 46% | 74 / 134 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.03% | Beats 14% | 116 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 13.66% | 11.23% | 13.31% | 15.45% | Beats 56% | 60 / 135 | |
| Total Risk-Based Capital Ratio | 14.80% | 11.61% | 14.06% | 16.47% | Beats 59% | 55 / 135 | |
| Equity / Assets | 8.98% | 9.87% | 11.05% | 13.07% | Beats 15% | 115 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 84.78% | 68.54% | 81.55% | 91.24% | 60th pctl | 54 / 134 | |
| Loans / Assets | 69.28% | 57.61% | 68.06% | 76.23% | 55th pctl | 61 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |