Community State Bank
Ankeny, IA · Cert 18272 · Peer group: banks $1B-$10B in assets (n=322-328) · QCR Holdings Inc.
State charter, Fed member · FED · 3 affiliate banks · 10 branches (37 in holding)
Q2 2026
$1.7BAssets
$1.3BLoans
$1.3BDeposits
$202.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
- Widest gap: total risk-based capital ratio trails 74% of banks $1B-$10B in assets (rank 243 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.33%
Rank 127 of 328
Net Interest Margin
3.15%
Rank 227 of 328
Efficiency Ratio
59.69%
Rank 167 of 328
Equity / Assets
11.57%
Rank 98 of 328
Non-interest income vs. expense
Unfavorable gap of $30.3M · efficiency ratio beats 49% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.91% | 1.22% | 1.52% | Beats 61% | 127 / 328 | |
| Return on Equity | 11.49% | 8.43% | 11.45% | 14.43% | Beats 51% | 162 / 328 | |
| Net Interest Margin | 3.15% | 3.03% | 3.45% | 3.83% | Beats 31% | 227 / 328 | |
| Efficiency Ratio | 59.69% | 51.61% | 59.56% | 67.53% | Beats 49% | 167 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.24% | 0.51% | 1.03% | Beats 78% | 73 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 11.75% | 13.15% | 15.47% | Beats 28% | 237 / 328 | |
| Total Risk-Based Capital Ratio | 12.74% | 12.63% | 14.15% | 16.46% | Beats 26% | 243 / 328 | |
| Equity / Assets | 11.57% | 9.15% | 10.33% | 12.01% | Beats 70% | 98 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 102.21% | 76.63% | 87.92% | 95.36% | 91st pctl | 29 / 323 | |
| Loans / Assets | 73.94% | 65.18% | 74.15% | 79.98% | 49th pctl | 167 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |