Community State Bank
Spencer, IA
IDRSSD: 849348
Total Assets
$342.58M
Latest filing
Total Deposits
$291.16M
Latest filing
Net Interest Margin
3.31%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Community State Bank
1812 Highway Blvd
Spencer, IA 51301
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1914FDIC Certificate 183
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community State Bank (Main) | 1812 Highway Blvd | Spencer, IA |
| WEBB BRANCH | 115 Main St | Webb, IA |
| ALBERT CITY BRANCH | 208 Main St | Albert City, IA |
| MALLARD BRANCH | 602 Inman St | Mallard, IA |
| EMMETSBURG BRANCH | 2407 Main St | Emmetsburg, IA |
| LAURENS BRANCH | 102 S 3rd St | Laurens, IA |
| SIOUX RAPIDS BRANCH | 1 Walnut St | Sioux Rapids, IA |
Showing 6 of 6
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51301 |
| State and County Number | 19041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Spencer, IA |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 7 |
| 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.ecommunitybank.org |
| Data Updated | 01/30/2026 |
| CERT | 230 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $342.58M |
| Total Deposits | $291.16M |
| Total Liabilities | $314.09M |
| Total Equity Capital | $28.49M |
| Net Income | $665.00k |
| Net Loans and Leases | $158.17M |
| Assets Per Employee ($Millions) | $9.02M |
| Bank Premises and Fixed Assets | $2.90M |
| Cash and Balances due from Depository Institutions | $2.31M |
| Deposits Held in Domestic Offices | $291.16M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 9.6% |
| Net Interest Margin | 3.31% |
| Efficiency Ratio | 63.82% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.316% |
| Earning Assets to total Assets | 95.34% |
Income and Expense
| Total Interest Income | $3.93M |
| Total Noninterest Income | $297.00k |
| Total Interest Expense | $1.31M |
| Total Noninterest Expense | $1.89M |
| Net Interest Income | $2.62M |
| Pre-tax Net Operating Income | $987.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.21M |
| Other borrowed funds | $20.48M |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.31M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.44M |
| Total Liabilities and Capital | $342.58M |
Securities
| Securities | $155.60M |
| Available-for-sale debt securities | $155.53M |
| 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 Community State Bank?
$342.58M as of the latest filing.
How much are Community State Bank's total deposits?
$291.16M in total deposits.
Where is Community State Bank located?
Spencer, IA.
What is the Net Interest Margin?
3.31%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1914.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$158.17M (latest filing).
What is the total interest income (latest filing)?
$3.93M.