Community State Bank

509 Lynn St
Tipton, IA 52772

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10114
Date Established 1894
Assets $0.12 billion
Loans $0.05 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.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.51
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.59
Small Business Loans 6.19
Construction and Development Loans 2.19
Commercial Real Estate 8.36
Commercial and Industrial Loans 16.25
Farm Loans 21.86

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.00% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $2,500 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.05% $2,500 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.436% 4.375% 0.38 $1,912 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Community State Bank
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Branches

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:
Ashburn,Virginia


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 BestCashCow.com 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
2.38% 8.32%

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 September 30, 2017, Community State Bank had $289,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,493,000 in equity and $627,000 in loans loss reserves. That gives it a Texas Ratio of 2.38%.

Return on Equity
Community State Bank U.S. Bank Average
10.58% 8.84%

Community State Bank has a Return on Equity of 10.58% versus the BestCashCow average of 8.84%. 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.

Capitalization
Community State Bank U.S. Bank Average
9.52% 12.21%

Community State Bank has a Capitalization of 9.52% versus the BestCashCow average of 12.21. 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 December 31, 2017, Community State Bank had assets of $120,666,000, loans of $54,681,000, and deposits of $108,341,000. 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

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 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
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 76.16%
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

INCOME AND EXPENSES
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

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?

Yes

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?

Products

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?

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