Commercial Savings Bank
Carroll, IA
IDRSSD: 194440
Total Assets
$335.55M
Latest filing
Total Deposits
$278.38M
Latest filing
Net Interest Margin
3.42%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Savings Bank
325 W Us Highway 30
Carroll, IA 51401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1917FDIC Certificate 184
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commercial Savings Bank (Main) | 325 W Us Highway 30 | Carroll, IA |
| DEDHAM BRANCH | 402 2nd St | Dedham, IA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51401 |
| State and County Number | 19027 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Carroll, IA |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csbcarroll.com |
| Data Updated | 01/30/2026 |
| CERT | 231 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $335.55M |
| Total Deposits | $278.38M |
| Total Liabilities | $307.51M |
| Total Equity Capital | $28.04M |
| Net Income | $1.10M |
| Net Loans and Leases | $262.72M |
| Assets Per Employee ($Millions) | $13.42M |
| Bank Premises and Fixed Assets | $4.27M |
| Cash and Balances due from Depository Institutions | $31.76M |
| Deposits Held in Domestic Offices | $278.38M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 16.02% |
| Net Interest Margin | 3.42% |
| Efficiency Ratio | 60.5% |
| Tier 1 Risk-Based Capital Ratio | 12.296% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.357% |
| Earning Assets to total Assets | 96.21% |
Income and Expense
| Total Interest Income | $4.43M |
| Total Noninterest Income | $291.00k |
| Total Interest Expense | $1.74M |
| Total Noninterest Expense | $1.80M |
| Net Interest Income | $2.69M |
| Pre-tax Net Operating Income | $1.13M |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $24.90M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.13M |
| Federal Funds Purchased and Repurchased Agreement | $2.58M |
| All Other Liabilities | $1.66M |
| Total Liabilities and Capital | $335.55M |
Securities
| Securities | $31.16M |
| Available-for-sale debt securities | $31.03M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Savings Bank?
$335.55M as of the latest filing.
How much are Commercial Savings Bank's total deposits?
$278.38M in total deposits.
Where is Commercial Savings Bank located?
Carroll, IA.
What is the Net Interest Margin?
3.42%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$262.72M (latest filing).
What is the total interest income (latest filing)?
$4.43M.