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 Community State Bank
Community State Bank
| RSSD ID 849348 | CERTIFICATE 230 | ABA NUMBER 73917887 |
| 1812 Highway Blvd |
Quarter Ended : |
2025-12-31 |
| Spencer, Iowa, 51301 |
Updated : |
2026-01-28 |
| www.ecommunitybank.org |
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| Institution Profile |
| Year Opened : |
1914 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
7 |
Number of Employees : |
38 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 342,577 |
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Total Interest Income | 15,072 |
| Total Liabilities | 314,089 |
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Total NonInterest Income | 1,071 |
| Total Bank Equity Capital | 28,488 |
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Total Interest Expense | 5,008 |
| Total Deposits | 291,162 |
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Total NonInterest Expense | 6,495 |
| Net Loans & Leases | 158,172 |
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Net Income | 4,134 |
| Loan Loss Allowance | 2,154 |
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Net Charge Offs | 178 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 159,687 |
| Total assets for the leverage ratio | 335,320 |
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Loans secured by real estate: | 96,005 |
| Tier 1 Leverage Ratio | 10.38 |
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Commercial and industrial loans | 39,395 |
| Off Balance Sheet Exposures (%) | 0.08 |
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Loans to individuals - Credit Cards | 38 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,591 |
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:· Community State Bank
