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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Edgewood, IA · FDIC certificate #14633
COMMUNITY SAVINGS BANK is an FDIC-insured institution based in Edgewood, IA (FDIC certificate #14633). In its Q3 2026 Call Report it reported total assets of $612M, total deposits of $506M and net loans of $423M. Its primary federal regulator is FDIC.
Plain-language readout
COMMUNITY SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $616M in Q1 2026 and were lowest at $612M in Q3 2026.
Total deposits were highest at $506M in Q3 2026 and lowest at $496M in Q1 2026.
Over the whole period total assets fell 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $612M | $506M | $423M | 1.01% | 11.87% | 3.54% |
| Q2 2026 | $614M | $501M | $420M | 1.02% | 11.61% | 3.55% |
| Q1 2026 | $616M | $496M | $421M | 1.01% | 11.65% | 3.62% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.8M | $24.2M | -$8.4M | -34.6% |
| Federal funds sold | $479K | $4.1M | -$3.6M | -88.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $145.8M | $137.6M | +$8.2M | +5.9% |
| Equity securities with readily determinable fair values, not held for trading | $161K | $122K | +$39K | +32.0% |
| Loans and leases held for sale | $244K | $424K | -$180K | -42.5% |
| Net loans and leases (after allowance) | $419.7M | $420.1M | -$370K | -0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $15.0M | $14.7M | +$309K | +2.1% |
| Other real estate owned | $1.8M | $0K | +$1.8M | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.2M | $5.2M | -$17K | -0.3% |
| All other assets | $9.3M | $9.6M | -$272K | -2.8% |
| Total assets | $613.6M | $616.1M | -$2.6M | -0.4% |
| Liabilities | ||||
| Total deposits | $501.4M | $496.4M | +$5.0M | +1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $5.4M | $11.7M | -$6.4M | -54.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $47.5M | $51.3M | -$3.8M | -7.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.2M | $3.7M | +$577K | +15.8% |
| Total liabilities | $558.5M | $563.0M | -$4.5M | -0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $221K | $221K | $0K | 0.0% |
| Surplus | $31.0M | $31.0M | $0K | 0.0% |
| Retained earnings | $35.7M | $35.1M | +$575K | +1.6% |
| Accumulated other comprehensive income | -$11.8M | -$13.2M | +$1.4M | +10.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $55.1M | $53.1M | +$2.0M | +3.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.4M | $4.4M | +$28K | +0.6% |
| Adjusted nonperforming assets | $3.9M | $3.9M | +$28K | +0.7% |
| Tangible equity plus allowance | $55.0M | $53.4M | +$1.7M | +3.1% |
| Texas ratio (gross) | 8.06% | 8.26% | -0.20 pts | See points |
| Texas ratio (adjusted) | 7.12% | 7.29% | -0.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.78% | 9.04% | -0.27 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.66% | 13.36% | +0.31 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.66% | 13.36% | +0.31 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.14% | 1.19% | -0.05 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.80% | 14.55% | +0.26 pts | See points |
| Tier 1 leverage (approximate) | 10.05% | 9.92% | +0.13 pts | See points |
| Construction and land loans to total capital | 60.55% | 71.80% | -11.25 pts | See points |
| Commercial real estate to total capital | 165.32% | 166.17% | -0.85 pts | See points |
| Dividend payout, year to date | 31.98% | 0.00% | +31.98 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.49% | -22.03% | +2.54 pts | See points |
| Liquidity | ||||
| Core deposits | $414.5M | $408.3M | +$6.2M | +1.5% |
| Non-core funding | $139.8M | $151.1M | -$11.3M | -7.5% |
| Loans to core deposits | 102.50% | 104.23% | -1.72 pts | See points |
| Loans to deposits | 84.73% | 85.73% | -1.00 pts | See points |
| Brokered deposits share of deposits | 2.45% | 2.39% | +0.06 pts | See points |
| Pledged securities share of securities | 38.78% | 49.51% | -10.73 pts | See points |
| Loans pledged, share of loans | 34.25% | 33.07% | +1.18 pts | See points |
| Volatile liabilities | $139.8M | $151.1M | -$11.3M | -7.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.9M | $2.3M | +$1.7M | +73.1% |
| Earnings before provision, single quarter | $1.7M | $2.3M | -$606K | -26.9% |
| Provision for credit losses, year to date | $527K | $476K | +$51K | +10.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.29% | 6.52% | -0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 2.91% | 2.26% | +0.65 pts | See points |
| Total interest income to average assets | 5.09% | 5.25% | -0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.22% | 0.17% | +0.05 pts | See points |
| Cost of savings and money market deposits | 1.69% | 1.59% | +0.10 pts | See points |
| Cost of time deposits | 3.70% | 3.73% | -0.03 pts | See points |
| Total interest expense to average assets | 1.89% | 1.89% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $612M | $506M | $423M | 1.01% | 11.87% | 3.54% |
| 2026-06-30 | $614M | $501M | $420M | 1.02% | 11.61% | 3.55% |
| 2026-03-31 | $616M | $496M | $421M | 1.01% | 11.65% | 3.62% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $470.5M | 0.37% | 55 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.