Community Savings Bank (Chicago, IL)
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Data as of · sourced from FFIEC call reports. How we update
Community Savings Bank is an FDIC-insured savings bank headquartered in Chicago, IL, established in 1925 (FDIC certificate 28841), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $410.2M, up 0.1% from Q2 2025, the 120th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28841
- Headquarters
- Chicago, IL
- Established
- 1925
- Total assets, Q2 2026
- $410.2M
- Assets vs Q2 2025
- +0.1%
- Tier 1 leverage ratio, Q2 2026
- 13.50%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 271070681
- Latest call report
- Q2 2026, FFIEC 051 · Community Savings Bank call report
- Asset rank in state
- 120th of 319 in Illinois
Community Savings Bank spends more to run itself than most banks of its size. The Chicago, Illinois bank had $410 million in assets at June 30, 2026. It loses about $0.11 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 104 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $112,000 in the quarter. Unrealized losses on its securities total $14 million, equal to 24% of Tier 1 capital, against 27% a year earlier. Its margin is thin by comparison: it keeps 2.36 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Community Savings Bank reported a return on assets of -0.11%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.94%. The figures come from its call report filed with the FFIEC.
Community Savings Bank ranks as the 120th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $410.2M, loans rose 1.8% and deposits fell 0.8%. 1-4 family residential loans made up 60.5% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 27.8%. Its 2 offices in the FDIC Summary of Deposits are in Chicago, IL. On its Q2 2026 call report, Community Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4801 W Belmont Ave, Chicago, IL 60641
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1925
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $357.0M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $420.0M
- Average total loans
- $233.0M
- Average interest-bearing deposits
- $352.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28841
- Fed RSSD
- 520777
- Website
- www.communitysavingsbank.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Community Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Savings Bank's total assets ranged from $408.2M (Q1 2026) to $436.6M (Q4 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$410.2M total assets against $409.7M; $362.8M total liabilities against $362.8M.
$234.2M net loans and leases against $224.7M; $357.0M total deposits against $362.1M.
$140.4M securities against $135.1M; $13.6M cash and balances due against $28.1M.
$4.0M total interest income against $3.6M; $1.6M total interest expense against $1.8M.
$2.4M net interest income against $1.9M.
$178K total noninterest income against $142K; $2.7M total noninterest expense against $2.6M.
$49K provision for credit losses against $23K.
-$112K net income against -$461K.
-0.11% return on assets against -0.44%; 2.36% net interest margin against 1.86%.
13.50% tier 1 leverage ratio against 14.11%.
Inside the full Community Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Savings Bank rankings
Its closest position to the top of a national ranking is 2,026 of 4,196, for total assets; its furthest is 3,563 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.79% (Q3 2024) to -0.11% (Q2 2026) and its net interest margin ran from 1.35% (Q3 2024) to 2.36% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.50% | -0.11% | 0.20% | 0.94% | 2.36% |
| Q1 2026 | 13.52% | -0.32% | 0.21% | 1.00% | 2.18% |
| Q4 2025 | 13.49% | -0.48% | 0.21% | 0.95% | 2.08% |
| Q3 2025 | 13.68% | -0.37% | 0.11% | 0.48% | 1.98% |
| Q2 2025 | 14.11% | -0.44% | 0.30% | 1.38% | 1.86% |
| Q1 2025 | 14.09% | -0.60% | 0.18% | 0.87% | 1.70% |
| Q4 2024 | 14.10% | -0.73% | 0.15% | 0.71% | 1.45% |
| Q3 2024 | 14.10% | -0.79% | 0.37% | 1.67% | 1.35% |
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 |
|---|---|---|---|
| Community Savings Bank (main office) | Chicago , IL | 60641 | $357.0M |
| West Belmont Branch | Chicago , IL | 60641 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 139 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 53 loans originated, $20.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Savings Bank
What are Community Savings Bank's total assets?
As of the Q2 2026 filing, Community Savings Bank reported total assets of $410.2 million in its FFIEC call report.
Where is Community Savings Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was Community Savings Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Community Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Savings Bank?
Community Savings Bank's primary federal regulator is the FDIC.
How many branches does Community 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 Community Savings Bank's Texas Ratio?
Its Texas Ratio is 0.94% 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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