Community State Bank is a bank based in Spencer, Iowa, established in 1914, with $341 million in total assets across 7 branches. By Trust Grade it ranks 195th of 226 banks we track in Iowa. Its capital ratio of 7.9% trails most similarly sized banks (14th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 1.18% return on assets. No consumer complaints against Community State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Community State Bank compares to Iowa peers
How we graded Community State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.9% capital ratio)
- Strongly profitable (ROA 1.18%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Community State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 115 Main St, Webb, IA 51366
- 208 Main St, Albert City, IA 50510
- 1812 Highway Blvd, Spencer, IA 51301
- 602 Inman St, Mallard, IA 50562
- 2407 Main St, Emmetsburg, IA 50536
- 102 S 3rd St, Laurens, IA 50554
- 1 Walnut St, Sioux Rapids, IA 50585
Are deposits at Community State Bank insured?
Yes. Community State Bank is an FDIC-insured bank (FDIC certificate #230). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Community State Bank: frequently asked questions
Is Community State Bank a good bank?
Community State Bank earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (7.9% capital ratio); Strongly profitable (ROA 1.18%).
Is Community State Bank FDIC-insured?
Yes. Community State Bank is a FDIC-insured bank (FDIC certificate #230). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Community State Bank?
Community State Bank holds $341 million in total assets, ranking 195th of 226 banks we track in Iowa. It operates 7 branches.
Does Community State Bank have CFPB complaints?
No CFPB complaints against Community State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
