COMMUNITY STATE BANK
COMMUNITY STATE BANK is an FDIC-insured commercial bank headquartered in SPENCER, IA, established in 1914. As of , the bank reported total assets of $343M and total deposits of $291M. Profitability stands at 0.80% ROA and 9.60% ROE, with a net interest margin of 3.13%. CET1 capital ratio: 7.30%. NPL ratio: 0.35% · Texas Ratio: 5.76%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Community State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 7.30% | 0.80% | 0.35% | 5.76% | 3.13% |
| 2025-09-30 | 7.23% | 1.51% | 0.22% | 4.39% | 3.15% |
| 2025-06-30 | 6.01% | 1.43% | 0.23% | 5.16% | 3.08% |
| 2025-03-31 | 6.32% | 1.37% | 0.06% | 3.88% | 3.02% |
| 2024-12-31 | 5.95% | 1.17% | 0.01% | 3.73% | 3.01% |
| 2024-09-30 | 7.02% | 0.99% | 0.63% | 3.64% | 2.78% |
| 2024-06-30 | 6.16% | 1.48% | 0.63% | 4.00% | 2.88% |
| 2024-03-31 | 6.33% | 1.32% | 0.67% | 3.97% | 2.80% |
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Frequently asked about COMMUNITY STATE BANK
What are Community State Bank's total assets?
As of the Q4 2025 filing, Community State Bank reported total assets of $342.6 million in its most recent 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 SPENCER, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Community State Bank founded?
Community State Bank was established in 1914, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. Community State Bank is an FDIC-insured commercial bank (FDIC Certificate #230). 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 FDIC. 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 7.30% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Community State Bank operate?
Community State Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Community State Bank's Texas Ratio?
Community State Bank's Texas Ratio is 5.76% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.