# COMMUNITY SAVINGS BANK
EDGEWOOD, IA · FDIC certificate 14633 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $613.6M | |
| Deposits | $501.4M | |
| Loans and leases | $425.1M | |
| Total equity | $55.1M | |
| Loans / deposits | 83.75% (p55 of band) | 82.04% |
| Liquid assets / assets | 26.44% (p54 of band) | |
| Uninsured deposits / deposits | 29.18% (p63 of band) | 25.97% |
| Brokered deposits | 2.00% | |
| Wholesale funding | 10.62% (p79 of band) | |
| FHLB advances / assets | 7.74% | |
| Tier 1 leverage | 10.05% (p36 of band) | 10.81% |
| Unrealized securities loss / equity | -22.47% (p20 of band) | -8.10% |
| AOCI / equity | -0.84% (p28 of band) | |
| ROA (annualized) | 1.02% (p33 of band) | 1.28% |
| Net interest margin | 3.55% (p30 of band) | 3.91% |
| Efficiency ratio | 66.38% (p65 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p87 of band) | |
| Reserve coverage of noncurrent | 193.76% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 74.62% (p75 of band) | |
| Auto loans | $3.6M (0.86% of loans; DQ 0.14%, NCO 0.00%) | |
| Loans to nondepository financials | $1.9M (3% of equity) (p93 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 85 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | charge-offs p90, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2017-06 | 5 | wholesale funding >15%, losing money, noncurrent p90, charge-offs p90 |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 |  | noncurrent p90 |
| 2018-03 | 3 | noncurrent p90 | losing money, charge-offs p90 |
| 2018-06 | 3 | charge-offs p90 | noncurrent p90 |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | wholesale funding >15% |
| 2019-06 | 3 | capital falling, losing money | reserve under noncurrent |
| 2019-09 | 3 | expense ratio p90 | capital falling |
| 2019-12 | 2 |  | losing money |
| 2020-03 | 2 | wholesale funding >15% | expense ratio p90 |
| 2020-06 | 0 |  | charge-offs p90, wholesale funding >15% |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 1 | AOCI drag >20% of equity | reserve under noncurrent |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 | charge-offs p90 | capital falling |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 2 | wholesale funding >15% |  |
| 2024-03 | 2 | capital falling | wholesale funding >15% |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | wholesale funding >15%, securities losses >30% of equity |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-30 [Community Savings Bank plans Peosta branch - Corridor Business Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTE9DbXpuT1pRdGhadEozdFBwbzItc2JHaEY2MVhlb1R4V2dHVUUzcUtVRWRBOXIydUhyTzNuUGctdC1fWFR2TnJGd2ZFaHJHX3NXSG9vMXBDRFR3dVFZeUFaUWRyTXFYc2VDcloyVDNjZWI4NlNmX011anhXeVA?oc=5) · Corridor Business Journal
- 2025-10-30 [Community Savings Bank Opening Peosta Location - KMCH.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMF9JYnVoaldkZ29ubHhVaXl4RjNLY212Nm51amd3d29kM0pMWEVRcHdqMFpTQzhKM2t3UVdrbmtoLVJaeHFpUlhYdG1xRkg4S1RReHlWV0ZPMDh1a0I2SWxad0xyajRQQlJOWXJmS05nRmt2V3ladTFGd3B0MXhCUQ?oc=5) · KMCH.com
- 2025-12-10 [Surprise Squad Official Rules - kcrg.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1BWEF5clJ4NDNWTHAyTmhPRnJaRjdQZmNQM2t3bGdhaFRjUWNNRjdSSFJIVlhhLWFJUk40NHYzOUh0anBFdDFCUEFjNVc3N01WbXlUMnprRlNLMzBjNnBSUVZYTmNMYXBQTHZ2SHFSQdIBgwFBVV95cUxONmVkNUwyZUsyMFVDM1lfV2h1LTJIQkVheUk5WHNNR3dBb3Azak1IMEFvQkMzSUZRVmRoSDBMODZYLVdxRkxwdkZLVXVjNzRrV1p5bVFTdTVrcFdEZVhwNjFyRUZBelViT1FpUEtOVkFmWjJHY0Z5NW41Ul94TE4yYmJvQQ?oc=5) · kcrg.com
- 2026-01-05 [Vaske Joins Manchester’s Community Savings Bank Team - KMCH.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQaUxRQUxreVZiWFZhcktxMWp6aV9sQjJ0dWJOVVdvNVJIS0lnUWZ6Tk43Nkx4azl1UVVSZ2RYODAxQndjMXpXdlozc1hWbjcwUnJyUWtlR3pQUjdvZXg1bUIzcTdLUElKdFRobG8taEoybF9HUFlHaFZtREVRaS1uMGZLWG1lblk?oc=5) · KMCH.com
- 2025-04-14 [Community Savings Bank Cedar Rapids branch relocating downtown - Corridor Business Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxNYmZTUmU1TVN0bU1vOENuc1lNcXhFdXZUcU5pZ1ZoaGZZS21UMnVfVW1KMUVZaWREOTBFVVpXandZdE9HdmtjYXJJVzRRWjA4ZlRCUXozRXV3THp5WVlSRWhHRjVKTDQ5VWxMVFp2RGtoVUV2Zk55STdUekpDem5hM2hwLVpFX2U4Yzk1UEQ1WTR1TmQ5dlZF?oc=5) · Corridor Business Journal
- 2023-06-20 [Our Town Edgewood: Community Savings Bank celebrates history of service - kcrg.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNeDN1VmIxb1JTbGl3Y3ZhRDdhVV9wWElrMFpBcnNPY3FIeFlNY25WN2dnZnotRllmcnE2MWFDcHRqbV9mSFJLdXVad0ZyenR1UnhRa3J5QkNibXZocjlmRGRFX1BkTzQtN3Fpb09ETHdld0VPNEFydEVlek9VM0pBbDVQb2lXdmx5NFp6Z0ZpNTl0NUp5VG1qTXg3cVZxcWFKTkHSAbYBQVVfeXFMTmo2bnVJMmRMRDFaR0g5S0RMRmdQdkJmOG95aHMtRVZmSWc1WGZGX3owaktRbFpzVkIycENMd2RSc2dDRVU5eGFiVHBHV05pYlNzMWVyZE5UNGNUUW5ZWURYRTNFQXJnOC1FSHBYY216Zm1CNGVHeTV6cm91ODE3WU40Q1N3R05FYjhxR2lSVWV4ZHZ1ZUNkYzF5U25qMkVzUmtrNXVJeTR3Um1YR3NFSFR2ekljS3c?oc=5) · kcrg.com
- 2025-12-04 [Community Savings Bank to open new downtown Cedar Rapids location Dec. 9 - Corridor Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSlFiX0VHN2ZYT3VKdU1tNVhnaGNhRnhXWTlmYmFsYWlHaXc0VTFNQUVrTjdMaGdpaW1aRkRwc0VoS0xqcmZ3V0RldmRuUGtqTlFmelJXMVZHMUpncUJ5blJJcHFod3FGRnNpUzJSaG8wSkxQdXdUNG5QbHRlQzJGQ0doVFk1Tks2b0tVczNZaGFjMENiM0xWcXFnZEhSa3BXZFJF?oc=5) · Corridor Business Journal
- 2016-01-11 [Linn County State Bank sold - thegazette.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNOVF0X3VQbXdNVWxzdF9GRDVPT0lNNWVqaDR6eE03VTZIcnJ0QzI5eHRoTDBsR0FjOUo5Sm1OMkZfYjRvSE9iOWVHSnVpNTIzREJfdW02ODVjd3JXRFlCdWJkV1h6LW1Od2hPZDQyVTJZLUhVYnlNRFB0SXNrVUNhRW5aQlNiZVFsOTJ4Zk82UmxEZDJ2Mm1IS0hkLVBzZDMyWmNKbzRLUlhPLWd0dExEeUYzQQ?oc=5) · thegazette.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14633 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "14633", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide