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Commercial Savings Bank
Carroll, IA · FDIC Certificate #231 · Chartered 01/0
Total assets
$348.84M
Total deposits
$292.74M
Total equity
$28.03M
Net loans
$284.90M
Branches (offices)
2
Net income (YTD)
$3.47M
Rank: #2,259 of 4,213 U.S. banks by assets · #93 of 225 in Iowa. Assets changed 11.9% and deposits 14.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.04% |
| Return on equity | 24.82% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 8.04% |
| Tier 1 leverage ratio | 8.44% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.99% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 97.3% |
| Real estate loans (share of loans) | 82.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $235.21M | 82.6% | |
| Commercial & industrial | $26.33M | 9.2% | |
| Consumer / individual | $6.24M | 2.2% | |
| Construction & development | $9.25M | 3.2% | |
| Agricultural | $18.89M | 6.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $255.68M | $227.14M | $1.39M | $15.37M |
| Jun 2023 | $273.54M | $234.65M | $1.60M | $16.43M |
| Jun 2024 | $297.66M | $252.17M | $1.21M | $18.80M |
| Jun 2025 | $311.82M | $255.54M | $2.63M | $25.36M |
| Jun 2026 | $348.84M | $292.74M | $3.47M | $28.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $292.74M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $292.74M.
Similar-sized banks
Frontier Bank ($349.15M) · Citizens National Bank Of Albion ($348.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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