Banks COMMUNITY SAVINGS BANK

COMMUNITY SAVINGS BANK

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

COMMUNITY SAVINGS BANK is an 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%. CET1 capital ratio: 12.81%, well above regulatory minimums. NPL ratio: 1.44% · Texas Ratio: 10.69%.

Assets
$618M
Deposits
$494M
Loans
$434M
Equity
$53M

Profitability

Return on Assets (ROA)0.99%
Return on Equity (ROE)11.43%
Net Interest Margin3.43%
Yield on Assets5.68%
Cost of Funds2.34%

Asset Quality

NPL Ratio1.44%
Net Charge-Off Ratio0.00%
Texas Ratio10.69%
NPA Ratio1.01%
ACL / Loans1.14%

Capital & Liquidity

CET1 Ratio12.81%
Tier 1 Capital12.81%
Total Capital Ratio13.88%
Leverage Ratio9.82%
Loan-to-Deposit87.79%

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