Community Savings Bank


4801 West Belmont Street
Chicago, IL 60641
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD 0.50% 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD 1.15% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Community Savings Bank is an FDIC insured institution located in Chicago, IL. It was founded in 1925 and has approximately $0.4 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 28841
Date Established 1925
Assets $ 404.93 million
Loans $ 235.28 million
Deposits $ 337.29 million
Capital $ 65.59 million

For a more detailed analysis of Community Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $100 - Learn More
Money Market
0.10% $2,500 $24,999 Learn More
Money Market
0.15% $25,000 - Learn More
6 Mo CD
0.20% $2,500 - Learn More
12 Mo CD
0.50% $10,000 - Learn More
18 Mo CD
0.50% $500 - Learn More
30 Mo CD
0.50% $500 - Learn More
60 Mo CD
1.15% $500 - Learn More

Fixed IRA
1.00% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Community Savings Bank
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Community Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Community Savings Bank Locations

Financial Details

Community Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Savings Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community Savings Bank U.S. Bank Average
1.14% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Community Savings Bank had $756,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $65,586,000 in equity and $789,000 in loans loss reserves. That gives it a Texas Ratio of 1.14%.

Return on Equity
Community Savings Bank U.S. Bank Average
1.76% 9.41%

Community Savings Bank has a Return on Equity of 1.76% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Community Savings Bank U.S. Bank Average
16.2% 12.82%

Community Savings Bank has a Capitalization of 16.2% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community Savings Bank Balance Sheet Analysis

As of December 31, 2019, Community Savings Bank had assets of $404,933,000, loans of $235,277,000, and deposits of $337,287,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 30.89 million
Interest-bearing balances $ 24.04 million
Total securities $ 119.37 million
Federal funds sold and reverse repurchase $ 3.96 million
Net loans and leases $ 235.28 million
Loan loss allowance $ 0.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 8.68 million
     Total Assets $ 339.35 million
Total deposits $ 337.29 million
      Interest-bearing deposits $ 332.18 million
      Deposits held in domestic offices $ 337.29 million
      % insured (estimated) 93.50%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.06 million
      Total Liabilities $ 339.35 million
      Shareholders’ Equity $ 65.59 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 13.56 million
Total Interest Expense $ 3.05 million
Net interest income $ 10.50 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.37 million
Total non interest expense $ 9.63 million
Pre-tax Net Operating Income $ 1.44 million

Bank Loan Profile?

The top three loan types in Community Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Small Business Loans.

Compared to other banks in Illinois, Community Savings Bank has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 63.47
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 11.78
Construction and Development Loans 0.00
Commercial Real Estate 11.78
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Community Savings Bank

Branches and Savings

Is Community Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28841.

Why does Community Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community Savings Bank a commercial bank?


Where are Community Savings Bank locations?

See branch locations nearby.

Is Community Savings Bank open on Saturdays?

Is Community Savings Bank open on Sundays?

What time does Community Savings Bank open?

What time does Community Savings Bank close?

Are Community Savings Bank ATMs Open 24/7?

Do Community Savings Bank ATMs accept cash deposits?

Can Community Savings Bank customers use other ATMs?

Do Community Savings Bank branches have notaries?

Will Community Savings Bank notarize my document?

What address for Community Savings Bank should I put for incoming ACH transfers?

Will the Community Savings Bank branch print checks?

Do Community Savings Bank checks expire?

Does Community Savings Bank require US citizenship to open account?

Can Community Savings Bank close my account?

Does Community Savings Bank Report to credit bureaus?

Does Community Savings Bank Use Equifax?

What is Community Savings Bank's ACH Routing Number?

What is Community Savings Bank's SWIFT code?


Does Community Savings Bank offer mortgages?

Compare mortgage rates here.

Does Community Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Savings Bank offer personal loans?

Compare personal loan rates here.

Does Community Savings Bank offer student loans?

Will Community Savings Bank cash a check?

Will Community Savings Bank redeem a savings bond?

Does Community Savings Bank cash savings bonds?

Will Community Savings Bank cash money orders?

Can Community Savings Bank issue a money order?

Does Community Savings Bank do currency exchange?

Background on The Bank

Who owns Community Savings Bank?

How long has Community Savings Bank been around?

Can Community Savings Bank transfer to other banks?

Does Community Savings Bank have quick pay?

Does Community Savings Bank accept rolled coins?

Will Community Savings Bank accept loose change?

Where is Community Savings Bank headquarters?

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