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Community Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14633

Edgewood, IA

12 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +6.6% year over year ($501.4M on the books).
  • Delinquency rate 0.63%.
  • Return on assets 1.02%.
  • Efficiency ratio 66.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Community Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 48.2% in tier
  • - ROA 0.31% below tier average
  • - Net Interest Margin 0.44% below tier average
  • - Efficiency Ratio 1.90% above tier average
Get updates when Community Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $613.6M
+1.3% YoY -0.4% QoQ
+$227.0M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $419.9M
-4.1% YoY -0.1% QoQ
+$161.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $501.4M
+6.6% YoY +1.0% QoQ
+$174.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 1.02%
+13.0% YoY +0.9% QoQ
-0.31% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.55%
+12.1% YoY -1.9% QoQ
-0.44% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 66.38%
-5.9% YoY +6.7% QoQ
+1.90% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.63%
-31.2% YoY -39.6% QoQ
-0.29% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 83.75%
-10.0% YoY -1.1% QoQ
+5.80% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 18.34%
+9.9% YoY +1.8% QoQ
-3.69% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.72%
+8.7% YoY +1.1% QoQ
+0.05% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 13.66%
+9.2% YoY +2.3% QoQ
-2.24% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.21%
-5.8% YoY +89.9% QoQ
-0.35% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 18.3%
+1.6pp YoY
+0.3pp QoQ
 -3.8pp 22.1% 17.8% 22.2% 37%
Brokered Deposits 2.5%
-0.2pp YoY
+0.1pp QoQ
 -5.4pp 7.9% 6.0% 8.5% 34%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.6%
-1.4pp YoY
-0.5pp QoQ
 -0.9pp 11.6% 12.8% 12.5% 56%
CRE 39.8%
+1.5pp YoY
-0.2pp QoQ
 +0.3pp 39.5% 28.3% 41.4% 53%
1-4 Family 19.9%
+0.7pp YoY
+0.1pp QoQ
 -12.8pp 32.6% 23.0% 31.3% 29%
Consumer 2.1%
0.0pp YoY
0.0pp QoQ
 -2.0pp 4.1% 2.9% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 13.7%
+1.1pp YoY
+0.3pp QoQ
 -5.2pp 18.8% 15.4% 19.7% 36%
Leverage Ratio 10.1%
+0.2pp YoY
+0.1pp QoQ
 -2.1pp 12.2% 12.4% 12.6% 33%
Total Capital Ratio 14.8%
+1.3pp YoY
+0.3pp QoQ
 -5.1pp 19.9% 16.5% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 85
+6 (+7.6%) YoY
+3 (+3.7%) QoQ
 +26 58 64 482 80%
Assets per Employee ($) $7.2M
-5.9% YoY
-3.9% QoQ
 -$300K $7.5M $8.9M $8.8M 56%
Branch Count 12
+2 (+20.0%) YoY
+1 (+9.1%) QoQ
 +7 4 5 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 50%
Nonaccrual 0.5%
-0.4pp YoY
-0.5pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 54%
Allowance Coverage 1.94x
+65.8% YoY
+55.8% QoQ
 -22.22x 24.15x 18.97x 20.23x 46%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.6%
0.0pp YoY
0.0pp QoQ
 -0.6pp 12.2% 12.8% 11.6% 48%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 73%
Net Income ($, YTD) $3.1M
+14.5% YoY
— QoQ
 +$572K $2.6M $4.0M $40.4M 71%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#256 of 529 • Bottom 48.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.02%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

491
Total Assets
size
Value: $613.59M
Peer Median: $386.57M
#491 of 2643 Top 18.5% in $100M-$1B
501
Total Loans
size
Value: $419.95M
Peer Median: $258.35M
#501 of 2643 Top 18.9% in $100M-$1B
531
Total Deposits
size
Value: $501.41M
Peer Median: $326.73M
#531 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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