Bank · FDIC insured
Commercial Savings Bank
A $348.8M bank headquartered in Carroll, IA, with 2 branches in Iowa. Best rates: CDs 4.45% and savings 0.60% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.45%CD rates →
- Savings821.51%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Commercial Savings Bank
Founded in 1917, Commercial Savings Bank is a locally owned community bank serving the financial needs of Carroll County residents.
The bank serves as Carroll's premier real estate lender for both residential and commercial property.
- Headquarters
- 325 W Us Highway 30, Carroll, IA 51401
- FDIC certificate
- 231 ↗
Branches
2 branches in Iowa
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Iowa
2 branches
- Commercial Savings BankMain office325 W Us Highway 30, Carroll, IA 51401Directions
- Dedham Branch402 2nd St, Dedham, IA 51440Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.44% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.99% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.04% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $98 | $81 | — |
- CapitalLeverage ratio8.44%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.99%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.04%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$98Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Commercial Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.