Community Savings Bank: how it compares with its peers
Against 73 IA banks with half to twice its assets, Community Savings Bank's strongest measure in Q2 2026 is net interest margin (3.55% vs. a 3.66% peer median). Its weakest relative measure is efficiency ratio (66.38% vs. 55.02%).
| Measure | Community Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.44% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.66% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.38% | 55.02% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $8.1M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.75% | 85.48% | Context |
What it means for lending operations
Its efficiency ratio of 66.38% is above the 55.02% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples Savings Bank Indianola, IA · $610M
- Farmers & Merchants Savings Bank Manchester, IA · $617M
- Farmers Trust and Savings Bank Spencer, IA · $618M
- GNB Bank Grundy Center, IA · $621M
- South Story Bank & Trust Slater, IA · $624M
- Liberty National Bank Sioux City, IA · $624M
Questions about Community Savings Bank
How big is Community Savings Bank?
Community Savings Bank, established in 1910, is headquartered in Edgewood, IA. It reported $614M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Community Savings Bank's return on assets?
1.02% annualized in Q2 2026, against a 1.44% median for 73 IA banks with half to twice its assets, ahead of 16% of them.
What is Community Savings Bank's efficiency ratio?
66.38% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 55.02%, and lower is better.
Is Community Savings Bank growing its loans?
Net loans shrank 4.1% over the year to Q2 2026, while deposits grew 6.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.