Community Savings Bank
Edgewood, Iowa, Delaware County
$614M in total assets, the 1,561st largest of 4,309 US banks and 49th of 227 headquartered in Iowa.
- FDIC certificate
- 14633
- Established
- 1910
- Owned by
- Community Financial Corp
- Primary regulator
- FDIC
- Website
- www.communitysavings.bank
At a glance
Compared with 166 banks headquartered in Iowa with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $614M | 87% | $277M | |
| Loans | $425M | 85% | $192M | |
| Deposits | $501M | 87% | $234M | |
| Return on assets | 1.00% | 23% | 1.34% | |
| Net interest margin | 3.55% | 42% | 3.65% | |
| Efficiency ratio | 66.4% | 87% | 55.3% | |
| Equity to assets | 8.98% | 20% | 10.59% | |
| Loans to deposits | 85% | 57% | 83% |
Growth
Total assets grew 3.8% a year over the last 5 years and 3.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2016 | Linn County State Bank Coggon, IA, an affiliate under the same holding company | $37M |
| Oct 2015 | The Garnavillo Savings Bank Garnavillo, IA | $41M |
| Jun 2005 | Community Savings Bank Robins, IA, an affiliate under the same holding company | $65M |
| Mar 1991 | Statesman Federal Savings Bank Des Moines, IA | $422M |
| Jan 1989 | The State Bank of Earlville Earlville, IA | $16M |
Where they operate
12 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Delaware County, IA | $263M | 28.7% | 1 of 6 |
| Linn County, IA | $158M | 2.2% | 9 of 26 |
| Clayton County, IA | $54M | 2.8% | 8 of 8 |
| Dubuque County, IA | $26M | 0.7% | 9 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (8 to 12, +50.0%). 3 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2016 | Acquired Linn County State BankOpened Guttenberg | 3 | 0 | +3 | 11 |
| 2020 | Closed Greeley | 0 | 1 | −1 | 10 |
| 2025 | Opened Cedar Rapids | 1 | 0 | +1 | 11 |
| 2026 through Q2 | Opened Peosta | 1 | 0 | +1 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 27% | 17% | |
| Farmland | 20% | 21% | |
| 1-4 family residential | 20% | 22% | |
| Business (C&I) | 10% | 13% | |
| Construction and land | 10% | 4% | |
| Agricultural | 7% | 17% | |
| Multifamily | 2% | 3% | |
| Consumer | 2% | 2% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 46% | 49% | |
| Time deposits | 36% | 33% | |
| Noninterest-bearing | 18% | 18% |
Brokered deposits are 2.5% of deposits (peers 3.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.50% | 0.46% |
| Net charge-offs, annualized | 0.18% | 0.00% |
| Reserves to loans | 1.21% | 1.23% |
| Leverage ratio | 10.05% | 10.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Iowa
Largest competitors in Delaware County, IA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-savings-bank-edgewood-ia