Community Bank (Dunlap, IA)
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Data as of · sourced from FFIEC call reports. How we update
Community Bank is an FDIC-insured commercial bank headquartered in Dunlap, IA, established in 1926 (FDIC certificate 14649), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $138.3M, up 4.0% from Q2 2025, the 172nd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14649
- Headquarters
- Dunlap, IA
- Established
- 1926
- Total assets, Q2 2026
- $138.3M
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 15.86%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 104905742
- Latest call report
- Q2 2026, FFIEC 041 · Community Bank call report
- Holding company
- DUNLAP IOWA HOLDING CO.
- Asset rank in state
- 172nd of 225 in Iowa
Community Bank, based in Dunlap, Iowa, reported $138 million in assets at June 30, 2026, up 4.0% from a year earlier. It holds commercial real estate loans equal to only 5% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 11% from a year earlier, to $529,000. Over the same year, loans grew 8.7% and deposits grew 3.5%.
As of June 30, 2026, Community Bank reported a CET1 capital ratio of 15.86%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.72%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Community Bank is the 172nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $138.3M, loans rose 1.9% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 33.2% of total loans, ahead of 1-4 family residential loans at 28.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in IA; its Dunlap office books 38% of its branch deposits. On its Q2 2026 call report, Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Iowa Ave, Dunlap, IA 51529
- County
- Harrison
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- February 23, 1926
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $122.7M
- Allowance for credit losses
- $791K
- Net charge-offs (YTD)
- $339K
- Average total assets
- $141.8M
- Average total loans
- $96.5M
- Average interest-bearing deposits
- $99.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1934
- FDIC Cert
- 14649
- Fed RSSD
- 675042
- Website
- www.communitybankiowa.com →
- Parent Holding Company
- DUNLAP IOWA HOLDING CO. (RSSD 1207682)
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
From Q3 2023 to Q2 2026, Community Bank's total assets ranged from $121.0M (Q3 2023) to $139.7M (Q1 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
$138.3M total assets against $133.1M; $123.4M total liabilities against $119.3M.
$95.4M net loans and leases against $87.8M; $122.7M total deposits against $118.6M.
$29.6M securities against $32.6M; $8.2M cash and balances due against $7.5M.
$1.9M total interest income against $1.8M; $623K total interest expense against $671K.
$1.3M net interest income against $1.2M.
$135K total noninterest income against $127K; $780K total noninterest expense against $743K.
$150K provision for credit losses against $60K.
$529K net income against $478K.
1.49% return on assets against 1.41%; 3.95% net interest margin against 3.69%.
15.86% CET1 capital ratio against 15.91%; 10.99% tier 1 leverage ratio against 10.88%.
Inside the full Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank rankings
Its closest position to the top of a national ranking is 1,029 of 3,606, for efficiency ratio; its furthest is 3,384 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q4 2024) to 1.50% (Q4 2025) and its net interest margin ran from 3.45% (Q4 2024) to 3.99% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.86% | 1.49% | 0.28% | 1.72% | 3.95% |
| Q1 2026 | 15.91% | 1.01% | 0.68% | 4.14% | 3.82% |
| Q4 2025 | 15.58% | 1.50% | 1.11% | 6.73% | 3.99% |
| Q3 2025 | 15.39% | 1.46% | 1.08% | 6.63% | 3.98% |
| Q2 2025 | 15.91% | 1.41% | 0.32% | 1.96% | 3.69% |
| Q1 2025 | 17.55% | 1.13% | 0.01% | 0.05% | 3.47% |
| Q4 2024 | 17.38% | 0.63% | 0.00% | 0.00% | 3.45% |
| Q3 2024 | 17.30% | 1.24% | 0.00% | 0.00% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Community Bank (main office) | Dunlap , IA | 51529 | $47.2M |
| Ute State Branch | Ute , IA | 51060 | $24.3M |
| Logan Branch | Logan , IA | 51546 | $15.4M |
| Soldier Branch | Soldier , IA | 51572 | $12.5M |
| Pisgah Branch | Pisgah , IA | 51564 | $8.8M |
| Modale Branch | Modale , IA | 51556 | $7.2M |
| Persia Branch | Persia , IA | 51563 | $7.1M |
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 |
|---|---|---|---|
| December 15, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2001 | Structure Change | Acquired Ute State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1993 | Structure Change | Acquired Soldier Valley Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 185 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 27 loans originated, $5.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Community Bank
What are Community Bank's total assets?
As of the Q2 2026 filing, Community Bank reported total assets of $138.3 million in its FFIEC call report.
Where is Community Bank headquartered?
It is headquartered in Dunlap, IA, United States.
When was Community Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14649). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank?
Community Bank's primary federal regulator is the FDIC.
What is Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank's Texas Ratio?
Its Texas Ratio is 1.72% 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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