Community State Bank
Spencer, IA · Cert 230 · Peer group: banks under $1B in assets in IA (n=134-135) · Community State Bcorp
State charter, non-member · FDIC · 7 branches
Q2 2026
$345.8MAssets
$158.6MLoans
$295.5MDeposits
$29.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 77% of banks under $1B in assets in IA (rank 31 of 135).
- Widest gap: equity / assets trails 90% of banks under $1B in assets in IA (rank 122 of 135).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.16%
Rank 74 of 135
Net Interest Margin
3.09%
Rank 90 of 135
Efficiency Ratio
55.92%
Rank 66 of 135
Equity / Assets
8.46%
Rank 122 of 135
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 52% 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 | 1.16% | 0.92% | 1.19% | 1.47% | Beats 45% | 74 / 135 | |
| Return on Equity | 13.65% | 7.99% | 10.26% | 13.14% | Beats 77% | 31 / 135 | |
| Net Interest Margin | 3.09% | 2.95% | 3.41% | 3.73% | Beats 33% | 90 / 135 | |
| Efficiency Ratio | 55.92% | 50.61% | 57.35% | 63.29% | Beats 52% | 66 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.03% | 0.51% | 1.26% | Beats 27% | 99 / 134 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.03% | Beats 28% | 98 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 10.47% | 11.23% | 13.31% | 15.45% | Beats 12% | 119 / 135 | |
| Total Risk-Based Capital Ratio | 10.47% | 11.61% | 14.06% | 16.47% | Beats 10% | 122 / 135 | |
| Equity / Assets | 8.46% | 9.87% | 11.05% | 13.07% | Beats 10% | 122 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 53.67% | 68.54% | 81.55% | 91.24% | 9th pctl | 122 / 134 | |
| Loans / Assets | 45.87% | 57.61% | 68.06% | 76.23% | 13th pctl | 118 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |