Community Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 60.84 percentage points higher than in Q1 2026, at 163.50%. Community Savings Bank ranks 181st of 225 Iowa banks on return on assets, in the lower half at 1.00% (Q2 2026). Community Savings Bank reported 1.00% on return on assets for Q2 2026, 0.25 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.66% |
| Tier 1 risk-based capital ratio | 13.66% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 10.05% |
| Equity capital to assets | 8.98% |
| Tangible equity to tangible assets | 8.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.80% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 9.53% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 163.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 11.64% |
| Net interest margin | 3.51% |
| Efficiency ratio | 68.03% |
| Yield on earning assets | 5.48% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.78% |
| Core deposits to total deposits | 82.76% |
| Brokered deposits to total deposits | 2.45% |
| Deposits to assets | 81.72% |
| Securities to assets | 23.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.87% | 12.87% | 13.89% | 9.76% | 0.58% |
| Q4 2023 | 12.40% | 12.40% | 13.39% | 9.67% | 0.81% |
| Q1 2024 | 12.46% | 12.46% | 13.45% | 9.61% | 0.56% |
| Q2 2024 | 12.62% | 12.62% | 13.64% | 9.67% | 0.58% |
| Q3 2024 | 12.59% | 12.59% | 13.59% | 9.83% | 0.81% |
| Q4 2024 | 12.01% | 12.01% | 12.97% | 9.64% | 0.94% |
| Q1 2025 | 12.16% | 12.16% | 13.13% | 9.55% | 0.79% |
| Q2 2025 | 12.52% | 12.52% | 13.52% | 9.81% | 0.96% |
| Q3 2025 | 12.82% | 12.82% | 13.85% | 9.87% | 0.95% |
| Q4 2025 | 12.81% | 12.81% | 13.88% | 9.82% | 0.98% |
| Q1 2026 | 13.36% | 13.36% | 14.55% | 9.92% | 0.99% |
| Q2 2026 | 13.66% | 13.66% | 14.80% | 10.05% | 1.00% |
Community Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14633) · FFIEC NIC profile (RSSD 646743)