Branch Network
Community State Bank Locations & Branches Spencer, Iowa
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Community State Bank operates 7 branches from its headquarters in Spencer, IA, .
Community State Bank branch network
All 7 branches are in IOWA, across 7 cities. Its largest office by deposits is its main office in Spencer, IA, with $127.6M (43.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Community State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $345.8M
- Tier 1 leverage ratio, Q2 2026
- 10.47%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1914
Full financial profile · Is Community State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Spencer, IA (1 branch) | 3 of 5 | 12.2% | $127.6M |
| State: IA (7 branches) | 98 of 261 | 0.2% | $295.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Iowa.
Share by county and metro area
Community State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Clay, IA (2 branches) | 3 of 7 | 12.7% | $153.4M | $1.21B |
| Buena Vista, IA (2 branches) | 5 of 6 | 6.3% | $61.3M | $969.0M |
| Pocahontas, IA (1 branch) | 4 of 6 | 14.3% | $50.0M | $349.2M |
| Palo Alto, IA (2 branches) | 3 of 4 | 9.7% | $30.9M | $318.0M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Spencer, IA (2 branches) | 3 of 7 | 12.7% | $153.4M | $1.21B |
| Storm Lake, IA (2 branches) | 5 of 6 | 6.3% | $61.3M | $969.0M |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community State Bank (main office) | Spencer, IA | 51301 | $127.6M |
| Laurens Branch | Laurens, IA | 50554 | $50.0M |
| Sioux Rapids Branch | Sioux Rapids, IA | 50585 | $37.5M |
| Webb Branch | Webb, IA | 51366 | $25.7M |
| Emmetsburg Branch | Emmetsburg, IA | 50536 | $24.3M |
| Albert City Branch | Albert City, IA | 50510 | $23.9M |
| Mallard Branch | Mallard, IA | 50562 | $6.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 230) · FFIEC NIC profile (RSSD 849348)