Community State Bank (Ankeny, IA)
BankRegReports is independent of Community State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community State Bank is an FDIC-insured commercial bank headquartered in Ankeny, IA, established in 1960 (FDIC certificate 18272), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.75B, up 9.1% from Q2 2025, the 14th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 18272
- Headquarters
- Ankeny, IA
- Established
- 1960
- Total assets, Q2 2026
- $1.75B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 11.89%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 073910114
- Holding company
- QCR HOLDINGS, INC.
- Asset rank in state
- 14th of 225 in Iowa
Community State Bank leans heavily on commercial real estate. Its balance sheet stood at $1.7 billion at June 30, 2026, up 9.1% from a year earlier; it is based in Ankeny, Iowa. It holds commercial real estate loans worth 4.0 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also lost 0.7% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Its $202 million commercial and industrial book is now fully current, after 2.82% of it was past due or on nonaccrual a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.0% and deposits fell 0.7%. Where it has less room is capital: it holds common equity equal to 11.89% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 11.89%, a return on assets of 1.33%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.21%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Community State Bank is the 14th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $1.75B, loans fell 2.0% and deposits fell 3.8%. Its loan book on June 30, 2026 was led by construction and land development loans, at 26.8% of total loans, followed by multifamily loans at 23.3%. The FDIC Summary of Deposits lists 10 offices for it, in 6 cities in IA; its Johnston office books 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2750 Ne 36th St, Ankeny, IA 50021
- County
- Polk
- Metro Area
- Des Moines-West Des Moines, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 15, 1960
- Former names
- Community State Bank, National Association (2003-2014)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 153
- Domestic deposits
- $1.26B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- -$85K
- Average total assets
- $1.76B
- Average total loans
- $1.31B
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 15, 1960
- FDIC Cert
- 18272
- Fed RSSD
- 790543
- SEC CIK
- 906465 → filed by QCR HOLDINGS, INC.
- Website
- www.bankcsb.com →
- Parent Holding Company
- QCR HOLDINGS, INC. (RSSD 2125813) · QCRH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Larry J Helling | CEO | CEO, QCRH & CRBT |
| Laura L Ekizian | PRES | President & CEO, QCBT |
| Todd A Gipple | PRES | President & CFO |
| Reba K Winter | COO | EVP, COO |
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
Over the 12 quarters to Q2 2026, Community State Bank's total assets ran between $1.40B (Q3 2023) and $1.75B (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
$1.75B total assets against $1.60B; $1.54B total liabilities against $1.42B.
$1.28B net loans and leases against $1.19B; $1.26B total deposits against $1.27B.
$294.2M securities against $283.9M; $30.4M cash and balances due against $15.4M.
$22.3M total interest income against $21.0M; $8.3M total interest expense against $8.5M.
$14.0M net interest income against $12.5M.
$1.6M total noninterest income against $1.5M; $9.4M total noninterest expense against $8.6M.
$282K provision for credit losses against $153K.
$5.9M net income against $5.2M.
1.33% return on assets against 1.29%; 3.72% net interest margin against 3.68%.
11.89% CET1 capital ratio against 12.12%; 11.67% tier 1 leverage ratio against 11.75%.
Inside the full Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community State Bank rankings
Its closest position to the top of a national ranking is 650 of 4,196, for total assets; its furthest is 1,745 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q4 2025) to 1.47% (Q3 2024) and its net interest margin ran from 3.36% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.33% | 0.19% | 1.21% | 3.72% |
| Q1 2026 | 11.80% | 1.34% | 0.19% | 1.25% | 3.67% |
| Q4 2025 | 11.75% | 1.04% | 0.15% | 0.99% | 3.69% |
| Q3 2025 | 11.69% | 1.40% | 0.01% | 0.07% | 3.59% |
| Q2 2025 | 12.12% | 1.29% | 0.45% | 2.90% | 3.68% |
| Q1 2025 | 12.03% | 1.07% | 0.59% | 3.92% | 3.61% |
| Q4 2024 | 12.07% | 1.31% | 0.07% | 0.68% | 3.40% |
| Q3 2024 | 11.98% | 1.47% | 0.12% | 1.02% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Johnston Branch | Johnston , IA | 50131 | $613.9M |
| Ankeny Blvd Branch | Ankeny , IA | 50023 | $171.2M |
| White Birch Branch | Ankeny , IA | 50023 | $169.1M |
| Altoona Branch | Altoona , IA | 50009 | $82.5M |
| Pleasant Hill Branch | Pleasant Hill , IA | 50327 | $62.6M |
| Euclid Des Moines Branch | Des Moines , IA | 50316 | $45.3M |
| East 33rd Des Moines Branch | Des Moines , IA | 50317 | $41.0M |
| Southside Des Moines Branch | Des Moines , IA | 50320 | $38.8M |
| Waukee Branch | Waukee , IA | 50263 | $20.6M |
| Community State Bank (main office) | Ankeny , IA | 50021 | $18.2M |
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 |
|---|---|---|---|
| May 12, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 12, 1997 | Structure Change | Acquired East Des Moines National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 1993 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| February 9, 1991 | Structure Change | Acquired American Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 2 against individuals associated with it
- November 22, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Community State Bank, National Association
- May 19, 2009, OCC: GLBA Agreement: Community State Bank, National Association
- July 30, 2008, OCC: Formal Agreement: Community State Bank, National Association
- Period: Most recent institution action November 22, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in IA, rank 22 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 135 applications, 100 loans originated, $107.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.5M approved, $3.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Community State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Community State Bank with peers
Frequently asked about Community State Bank
What are Community State Bank's total assets?
As of the Q2 2026 filing, Community State Bank reported total assets of $1.75 billion in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Ankeny, IA, United States.
When was Community State Bank founded?
It was established in 1960, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community State Bank?
Community State Bank's primary federal regulator is the Federal Reserve.
What is Community State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community State Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community State Bank's Texas Ratio?
Its Texas Ratio is 1.21% 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.
What was Community State Bank previously called?
The charter now named Community State Bank has also operated as Community State Bank, National Association (2003-2014), per FDIC structure-change records.
Go deeper on Community State Bank.
Get an email when Community State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Community State Bank, freeFree account