Bank · FDIC insured
Community State Bank
A $345.8M bank headquartered in Spencer, IA, with 7 branches in Iowa. Best rates: CDs 4.04% and savings 0.44% APY.
Community State Bank Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#3 of 4 in Spencer, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community State Bank
- Headquarters
- 1812 Highway Blvd, Spencer, IA 51301
- FDIC certificate
- 230 ↗
Branches
7 branches in Iowa
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Iowa
7 branches
Spencer area · 2
- Community State BankMain office1812 Highway Blvd, Spencer, IA 51301Directions
- Webb Branch115 Main St, Webb, IA 51366Directions
Storm Lake area · 2
- Albert City Branch208 Main St, Albert City, IA 50510Directions
- Sioux Rapids Branch1 Walnut St, Sioux Rapids, IA 50585Directions
Emmetsburg area · 1
- Emmetsburg Branch2407 Main St, Emmetsburg, IA 50536Directions
Laurens area · 1
- Laurens Branch102 S 3rd St, Laurens, IA 50554Directions
Mallard area · 1
- Mallard Branch602 Inman St, Mallard, IA 50562Directions
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 | 10.47% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.24% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $54 | $81 | — |
- CapitalLeverage ratio10.47%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.24%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$54Peers’ 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.