COMMUNITY SAVINGS BANK

EDGEWOOD, IA | Medium | Est. Jan. 10, 1910, midnight | FDIC #14633 | RSSD #646743 | FDIC
Latest Report: 2025-12-31

COMMUNITY SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in EDGEWOOD, IA, established in Jan. 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $618M and total deposits of $494M. Profitability stands at 0.99% ROA and 11.43% ROE, with a net interest margin of 3.43%. The bank's CET1 capital ratio is 12.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.44% and a Texas Ratio of 10.69%. FDIC Certificate #14633.

Assets

$618M

Deposits

$494M

Loans

$434M

Equity

$53M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 11.43%
Net Interest Margin (NIM) 3.43%
Yield on Assets 5.68%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 1.44%
Net Charge-Off Ratio 0.00%
Texas Ratio 10.69%
NPA Ratio 1.01%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 12.81%
Tier 1 Capital 12.81%
Total Capital Ratio 13.88%
Leverage Ratio 9.82%
Loan-to-Deposit 87.79%

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