Community State Bank

509 Lynn St
Tipton, IA 52772


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10114
Date Established 1894
Assets $0.12 billion
Loans $0.06 billion
Deposits $0.11 billion
Capital $0.01 billion

Community State Bank is an FDIC insured institution located in Tipton, IA. It was founded in 1894 and has approximately $0.12 billion in assets. Customers can open an account at one of its 4 branches.

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

Deposit Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $49,999 Learn MoreShow Less
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
6 Mo CD
0.35% $1,000 - Learn MoreShow Less
12 Mo CD
0.55% $1,000 - Learn MoreShow Less
Special: 13 Mo CD
2.16% $1,000 - Learn MoreShow Less
18 Mo CD
0.75% $1,000 - Learn MoreShow Less
24 Mo CD
0.85% $1,000 - Learn MoreShow Less
30 Mo CD
0.95% $1,000 - Learn MoreShow Less
36 Mo CD
1.05% $1,000 - Learn MoreShow Less
48 Mo CD
1.51% $1,000 - Learn MoreShow Less

Fixed IRA
1.00% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $24,999 Learn MoreShow Less

Loan Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community State 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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: 13256
3.408% 3.375% 0.38 $1,020 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Community State Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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

Your Location:

Community State Bank Locations

Financial Details

Community State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community State 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 State Bank U.S. Bank Average
9.18% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, Community State Bank had $979,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,041,000 in equity and $626,000 in loans loss reserves. That gives it a Texas Ratio of 9.18%.

Return on Equity
Community State Bank U.S. Bank Average
11.7% 9.50%

Community State Bank has a Return on Equity of 11.7% versus the BestCashCow average of 9.50%. 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 State Bank U.S. Bank Average
8.63% 12.76%

Community State Bank has a Capitalization of 8.63% versus the BestCashCow average of 12.76. 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 State Bank Balance Sheet Analysis

As of June 30, 2019, Community State Bank had assets of $116,364,000, loans of $58,395,000, and deposits of $105,469,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.11 billion
Total deposits $0.11 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 78.56%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Community State Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, Community State Bank’s loan portfolio does not show any specific loan specialty.

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 25.63
Credit Card Loans 0.00
Consumer Auto Loans 2.41
Small Business Loans 7.01
Construction and Development Loans 3.03
Commercial Real Estate 8.78
Commercial and Industrial Loans 13.47
Farm Loans 22.31

Frequently Asked Questions About Community State Bank

Branches and Savings

Is Community State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10114.

Why does Community State 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 State Bank CD rates not competitive?

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

Is Community State Bank a commercial bank?


Where are Community State Bank locations?

See branch locations nearby.

Is Community State Bank open on Saturdays?

Is Community State Bank open on Sundays?

What time does Community State Bank open?

What time does Community State Bank close?

Are Community State Bank ATMs Open 24/7?

Do Community State Bank ATMs accept cash deposits?

Can Community State Bank customers use other ATMs?

Do Community State Bank branches have notaries?

Will Community State Bank notarize my document?

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

Will the Community State Bank branch print checks?

Do Community State Bank checks expire?

Does Community State Bank require US citizenship to open account?

Can Community State Bank close my account?

Does Community State Bank Report to credit bureaus?

Does Community State Bank Use Equifax?

What is Community State Bank's ACH Routing Number?

What is Community State Bank's SWIFT code?


Does Community State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community State Bank offer personal loans?

Compare personal loan rates here.

Does Community State Bank offer student loans?

Will Community State Bank cash a check?

Will Community State Bank redeem a savings bond?

Does Community State Bank cash savings bonds?

Will Community State Bank cash money orders?

Can Community State Bank issue a money order?

Does Community State Bank do currency exchange?

Background on The Bank

Who owns Community State Bank?

How long has Community State Bank been around?

Can Community State Bank transfer to other banks?

Does Community State Bank have quick pay?

Does Community State Bank accept rolled coins?

Will Community State Bank accept loose change?

Where is Community State Bank headquarters?

Customer Reviews for Community State Bank

There are currently no comments for Community State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →