Community State Bank (Ankeny, IA): Financial Reports & UBPR Data
BankRegReports is independent of Community State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community State Bank leans heavily on commercial real estate. Its balance sheet stood at $1.7 billion at June 30, 2026, up 9.1% from a year earlier; it is based in Ankeny, Iowa. It holds commercial real estate loans worth 4.0 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also lost 0.7% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Its $202 million commercial and industrial book is now fully current, after 2.82% of it was past due or on nonaccrual a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.0% and deposits fell 0.7%. Where it has less room is capital: it holds common equity equal to 11.89% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 11.89%, a return on assets of 1.33%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.21%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2750 Ne 36th St, Ankeny, IA 50021
- County
- Polk
- Metro Area
- Des Moines-West Des Moines, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 15, 1960
- Former names
- Community State Bank, National Association (2003-2014)
- Offices
- 10 domestic
- Employees (FTE)
- 153
- Domestic deposits
- $1.26B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- -$85K
- Average total assets
- $1.76B
- Average total loans
- $1.31B
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 15, 1960
- FDIC Cert
- 18272
- Fed RSSD
- 790543
- SEC CIK
- 906465 → filed by QCR HOLDINGS, INC.
- Website
- www.bankcsb.com →
- Parent Holding Company
- QCR HOLDINGS, INC. (RSSD 2125813) · QCRH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Laura L Ekizian | CEO | President & CEO, QCBT |
| Todd A Gipple | CFO | President & CFO |
| Reba K Winter | COO | EVP, COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community State Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.33% | 0.19% | 1.21% | 3.72% |
| Q1 2026 | 11.80% | 1.34% | 0.19% | 1.25% | 3.67% |
| Q4 2025 | 11.75% | 1.04% | 0.15% | 0.99% | 3.69% |
| Q3 2025 | 11.69% | 1.40% | 0.01% | 0.07% | 3.59% |
| Q2 2025 | 12.12% | 1.29% | 0.45% | 2.90% | 3.68% |
| Q1 2025 | 12.03% | 1.07% | 0.59% | 3.92% | 3.61% |
| Q4 2024 | 12.07% | 1.31% | 0.07% | 0.68% | 3.40% |
| Q3 2024 | 11.98% | 1.47% | 0.12% | 1.02% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Johnston Branch | Johnston , IA | 50131 | $613.9M |
| Ankeny Blvd Branch | Ankeny , IA | 50023 | $171.2M |
| White Birch Branch | Ankeny , IA | 50023 | $169.1M |
| Altoona Branch | Altoona , IA | 50009 | $82.5M |
| Pleasant Hill Branch | Pleasant Hill , IA | 50327 | $62.6M |
| Euclid Des Moines Branch | Des Moines , IA | 50316 | $45.3M |
| East 33rd Des Moines Branch | Des Moines , IA | 50317 | $41.0M |
| Southside Des Moines Branch | Des Moines , IA | 50320 | $38.8M |
| Waukee Branch | Waukee , IA | 50263 | $20.6M |
| Community State Bank (main office) | Ankeny , IA | 50021 | $18.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 12, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 12, 1997 | Structure Change | Acquired East Des Moines National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 1993 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| February 9, 1991 | Structure Change | Acquired American Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Community State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 2 against individuals associated with it
- November 22, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Community State Bank, National Association
- May 19, 2009, OCC: GLBA Agreement: Community State Bank, National Association
- July 30, 2008, OCC: Formal Agreement: Community State Bank, National Association
- Period: Most recent institution action November 22, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in IA, rank 22 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 135 applications, 100 loans originated, $107.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.5M approved, $3.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Community State Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Community State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Community State Bank
What are Community State Bank's total assets?
As of the Q2 2026 filing, Community State Bank reported total assets of $1.75 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community State Bank headquartered?
Community State Bank is headquartered in Ankeny, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Community State Bank founded?
Community State Bank was established in 1960, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. Community State Bank is an FDIC-insured commercial bank (FDIC Certificate #18272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community State Bank?
Community State Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community State Bank's CET1 capital ratio?
Community State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community State Bank operate?
Community State Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community State Bank's Texas Ratio?
Community State Bank's Texas Ratio is 1.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Community State Bank previously called?
The charter now named Community State Bank has also operated as Community State Bank, National Association (2003-2014), per FDIC structure-change records.
Go deeper on Community State Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Community State Bank, freeFree account