Commercial Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Commercial Savings Bank is an FDIC-insured commercial bank headquartered in Carroll, IA, established in 1917 (FDIC certificate 231), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $348.8M, up 11.9% from Q2 2025, the 93rd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.62% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 231
- Headquarters
- Carroll, IA
- Established
- 1917
- Total assets, Q2 2026
- $348.8M
- Assets vs Q2 2025
- +11.9%
- CET1 ratio, Q2 2026
- 11.62%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073919571
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Savings Bank call report
- Holding company
- COMMERCIAL BAN CORP.
- Asset rank in state
- 93rd of 225 in Iowa
Problem loans are rising at Commercial Savings Bank. Its balance sheet stood at $349 million at June 30, 2026, up 11.9% from a year earlier; it is based in Carroll, Iowa. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.25% a year earlier. It returns 26.2% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 19% from a year earlier, to $1.8 million. Where it has less room is capital: it funds 8.44% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Commercial Savings Bank reported a CET1 capital ratio of 11.62%, a return on assets of 2.14%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 9.33%. The figures come from its call report filed with the FFIEC.
Commercial Savings Bank ranks as the 93rd largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.6% to $348.8M, loans rose 4.2% and deposits rose 5.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.6% of total loans, followed by owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 2 offices for it, in Carroll, IA and Dedham, IA; its Carroll office books 99% of its branch deposits. Judged on its Q2 2026 call report, Commercial Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 325 W Us Highway 30, Carroll, IA 51401
- County
- Carroll
- Metro Area
- Carroll, 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $292.7M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $340.7M
- Average total loans
- $282.1M
- Average interest-bearing deposits
- $234.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 231
- Fed RSSD
- 194440
- Website
- www.csbcarroll.com →
- Parent Holding Company
- COMMERCIAL BAN CORP. (RSSD 1132971)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Commercial Savings Bank's total assets moved between a low of $281.0M (Q3 2023) and a high of $348.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$348.8M total assets against $311.8M; $320.8M total liabilities against $286.5M.
$284.9M net loans and leases against $242.7M; $292.7M total deposits against $255.5M.
$26.4M securities against $43.9M; $29.3M cash and balances due against $17.1M.
$4.7M total interest income against $4.1M; $1.7M total interest expense against $1.6M.
$3.1M net interest income against $2.5M.
$221K total noninterest income against $381K; $1.4M total noninterest expense against $1.2M.
$60K provision for credit losses against $36K.
$1.8M net income against $1.5M.
2.14% return on assets against 1.93%; 3.67% net interest margin against 3.17%.
11.62% CET1 capital ratio against 12.27%; 8.44% tier 1 leverage ratio against 8.38%.
Inside the full Commercial Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Savings Bank rankings
Its closest position to the top of a national ranking is 271 of 3,606, for efficiency ratio; its furthest is 1,821 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q4 2024) to 2.14% (Q2 2026) and its net interest margin ran from 2.47% (Q3 2024) to 3.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.62% | 2.14% | 0.99% | 9.33% | 3.67% |
| Q1 2026 | 12.01% | 1.99% | 0.35% | 3.18% | 3.42% |
| Q4 2025 | 12.30% | 1.33% | 0.26% | 2.28% | 3.34% |
| Q3 2025 | 12.19% | 1.73% | 0.32% | 2.75% | 3.22% |
| Q2 2025 | 12.27% | 1.93% | 0.25% | 2.24% | 3.17% |
| Q1 2025 | 12.23% | 1.38% | 0.21% | 1.95% | 2.83% |
| Q4 2024 | 11.52% | 0.85% | 0.55% | 5.36% | 2.65% |
| Q3 2024 | 10.67% | 1.07% | 0.37% | 3.76% | 2.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Savings Bank (main office) | Carroll , IA | 51401 | $288.7M |
| Dedham Branch | Dedham , IA | 51440 | $4.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 100 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commercial Savings Bank
What are Commercial Savings Bank's total assets?
As of the Q2 2026 filing, Commercial Savings Bank reported total assets of $348.8 million in its FFIEC call report.
Where is Commercial Savings Bank headquartered?
It is headquartered in Carroll, IA, United States.
When was Commercial Savings Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Commercial Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Savings Bank?
Commercial Savings Bank's primary federal regulator is the Federal Reserve.
What is Commercial Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.62% in its Q2 2026 call report, above regulatory requirements.
How many branches does Commercial Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Savings Bank's Texas Ratio?
Its Texas Ratio is 9.33% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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