Community Savings Bank (Edgewood, IA)
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Data as of · sourced from FFIEC call reports. How we update
Community Savings Bank is an FDIC-insured commercial bank headquartered in Edgewood, IA, established in 1910 (FDIC certificate 14633), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $613.6M, up 1.3% from Q2 2025, the 49th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.66% 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
- 14633
- Headquarters
- Edgewood, IA
- Established
- 1910
- Total assets, Q2 2026
- $613.6M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 13.66%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 073914288
- Latest call report
- Q2 2026, FFIEC 051 · Community Savings Bank call report
- Holding company
- COMMUNITY FINANCIAL CORP.
- Asset rank in state
- 49th of 225 in Iowa
Community Savings Bank, based in Edgewood, Iowa, reported $614 million in assets at June 30, 2026, up 1.3% from a year earlier. It shrank its loan book 4.0% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 4.0% and deposits rose 6.6%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.50% of loans, down from 0.79% a year earlier.
As of June 30, 2026, Community Savings Bank reported a CET1 capital ratio of 13.66%, a return on assets of 1.00%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 6.99%. The figures come from its call report filed with the FFIEC.
Community Savings Bank ranks as the 49th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $613.6M, loans fell 0.2% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 20.0% of total loans, ahead of 1-4 family residential loans at 19.6%. The FDIC Summary of Deposits lists 12 offices for it, in 11 cities in IA; its Edgewood office books 27% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Union St, Edgewood, IA 52042
- County
- Delaware
- 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 051
- Established
- January 10, 1910
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $501.4M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $375K
- Average total assets
- $627.7M
- Average total loans
- $422.4M
- Average interest-bearing deposits
- $408.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 3, 1934
- FDIC Cert
- 14633
- Fed RSSD
- 646743
- Website
- www.communitysavings.bank →
- Parent Holding Company
- COMMUNITY FINANCIAL CORP. (RSSD 1131488)
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
Community Savings Bank's total assets moved between a low of $558.0M (Q3 2023) and a high of $618.4M (Q4 2025) 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
$613.6M total assets against $605.9M; $558.5M total liabilities against $557.4M.
$419.9M net loans and leases against $438.0M; $501.4M total deposits against $470.5M.
$145.9M securities against $123.9M; $16.3M cash and balances due against $16.8M.
$8.0M total interest income against $7.8M; $3.0M total interest expense against $3.2M.
$5.0M net interest income against $4.6M.
$613K total noninterest income against $674K; $4.0M total noninterest expense against $3.7M.
$51K provision for credit losses against $75K.
$1.6M net income against $1.5M.
1.00% return on assets against 0.96%; 3.51% net interest margin against 3.22%.
13.66% CET1 capital ratio against 12.52%; 10.05% tier 1 leverage ratio against 9.81%.
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 952 of 3,640, for Texas Ratio; its furthest is 2,593 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q1 2025) to 1.00% (Q2 2026) and its net interest margin ran from 2.95% (Q3 2024) to 3.63% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 1.00% | 0.63% | 6.99% | 3.51% |
| Q1 2026 | 13.36% | 0.99% | 1.03% | 7.15% | 3.63% |
| Q4 2025 | 12.81% | 0.98% | 1.48% | 10.91% | 3.34% |
| Q3 2025 | 12.82% | 0.95% | 0.99% | 7.18% | 3.29% |
| Q2 2025 | 12.52% | 0.96% | 0.91% | 7.17% | 3.22% |
| Q1 2025 | 12.16% | 0.79% | 0.95% | 7.60% | 3.08% |
| Q4 2024 | 12.01% | 0.94% | 0.30% | 2.36% | 3.05% |
| Q3 2024 | 12.59% | 0.81% | 0.25% | 2.06% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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) | Edgewood , IA | 52042 | $134.4M |
| Manchester Branch | Manchester , IA | 52057 | $94.2M |
| Robins-Community Savings Branch | Robins , IA | 52328 | $71.2M |
| Garnavillo Branch | Garnavillo , IA | 52049 | $43.5M |
| Linn County State Bank Branch | Marion , IA | 52302 | $43.4M |
| Earlville Branch | Earlville , IA | 52041 | $34.5M |
| Community Savings Bank Branch | Dyersville , IA | 52040 | $25.7M |
| Cedar Rapids Branch | Cedar Rapids , IA | 52401 | $24.8M |
| Coggon Branch | Coggon , IA | 52218 | $19.1M |
| Guttenberg Branch | Guttenberg , IA | 52052 | $10.5M |
| Community Savings Bank - Peosta Branch | Peosta , IA | 52068 | $98K |
| Mt. Vernon Road Branch | Cedar Rapids , IA | 52403 | $0 |
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 |
|---|---|---|---|
| June 4, 2016 | Structure Change | Acquired Linn County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired The Garnavillo Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 20, 2005 | Structure Change | Acquired Community Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 20, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 2, 1991 | Structure Change | Acquired Statesman Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 5, 1989 | Structure Change | Acquired The State Bank of Earlville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 5, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IA, rank 54 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 248 applications, 180 loans originated, $31.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $3.6M approved, $911K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Savings Bank
What are Community Savings Bank's total assets?
As of the Q2 2026 filing, Community Savings Bank reported total assets of $613.6 million in its FFIEC call report.
Where is Community Savings Bank headquartered?
It is headquartered in Edgewood, IA, United States.
When was Community Savings Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Community Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14633). 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.
What is Community Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Savings Bank operate?
It operates 12 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 6.99% 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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