Bank · FDIC insured
Community Savings
Top CarrotA $284.7M bank headquartered in Caldwell, OH, with 1 branch in Ohio. Best rates: CDs 4.00% and savings 3.75% APY.
Community Savings Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#40 of 247 in OhioHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community Savings
Headquartered in Caldwell, Ohio, Community Savings was founded in 1885 when six visionaries established the Caldwell Building and Loan Company.
Certified as a Community Development Financial Institution, the mission-based bank provides technical assistance and capital to economically distressed communities and customers with non-traditional credit needs nationwide.
Community Savings offers retail and digital banking services as well as wholesale mortgage lending, serving as the Home of the ITIN Mortgage Loan.
- Headquarters
- 425 Main St, Caldwell, OH 43724
- FDIC certificate
- 27969 ↗
Branches
1 branch in Ohio
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Ohio
1 branch
- Community SavingsMain office425 Main St, Caldwell, OH 43724Directions
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 | 12.43% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.88% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $111 | $81 | — |
- CapitalLeverage ratio12.43%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.88%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$111Peers’ 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 Community Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.