# COMMERCIAL SAVINGS BANK
CARROLL, IA · FDIC certificate 231 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $348.8M | |
| Deposits | $292.7M | |
| Loans and leases | $287.5M | |
| Total equity | $28.0M | |
| Loans / deposits | 97.32% (p85 of band) | 82.04% |
| Liquid assets / assets | 15.99% (p19 of band) | |
| Uninsured deposits / deposits | 27.20% (p56 of band) | 25.97% |
| Brokered deposits | 6.97% | |
| Wholesale funding | 14.60% (p87 of band) | |
| FHLB advances / assets | 7.17% | |
| Tier 1 leverage | 8.44% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -3.12% (p72 of band) | -8.10% |
| AOCI / equity | -0.31% (p53 of band) | |
| ROA (annualized) | 2.04% (p88 of band) | 1.28% |
| Net interest margin | 3.57% (p32 of band) | 3.91% |
| Efficiency ratio | 40.64% (p6 of band) | |
| Noncurrent loans | 0.99% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 90.62% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 32.99% (p40 of band) | |
| Auto loans | $4.5M (1.56% of loans; DQ 3.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.6% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 | capital falling | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | wholesale funding >15% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 | NIM <2.5% | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 0 |  | NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | capital falling, reserve under noncurrent |  |

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

- 2024-09-05 [Lisa Mohr named to Commercial Savings Bank Board of Directors - Carroll Times Herald](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOWGh0Q1hGTktmaDJRaFFCVVdVRm1rc2lBQ3NhbzNSQkxqd05MUU9vRHJienJyZGJUSWN0YUIwV2pNWFVQRDhydS1JbHdUbFB4TjBBZ0tfSjZhNnJRNWlUQ3NkODV1elBWRkZRaVNsejBwRGdGX1NsRE55cWU2Rzg2TGdqVzhmSl95eDZkanZiUTU2TWhlWk1NY0NaNVFlX1FkZmpQUHJURXM3dTdEWlkzNk5RRnJHa1JnaDNGNjVHeHpXOUV0TUNoZDRpcWNhakw4TE9HU0J1eTE2UQ?oc=5) · Carroll Times Herald
- 2025-07-30 [Marilyn E. Laing Obituary Jul 30, 2025 - meyerbroschapels.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE53MXJyRlUtSzh1V3VxeWo1ZjU1M2hkUVRadW9SNktRb3RQSVJTVU9uc05kU25IWEhPb1RvUWNIUFJfSWJiclV4cmk1TjdiYXpSdVdyT1dMakdNN0RtNmhOQXVfaVI3Z1c4?oc=5) · meyerbroschapels.com
- 2026-02-13 [Ryan Milligan Named Carroll Chamber Of Commerce’s 2025 Citizen Of The Year - 1380kcim.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVm5nXzNSWER4a0JVbzRjSFFYSnZzV0pseWNPRWNONlNpVlNWUW5oQ3k5RXZSb2I0Sk0zQ0VwN0I5a3JEa2pTMzctSExVR0dpS2lFM1lKRU90MTU1T1p0ZzJHOFlxZmZRaUFScTdwUXFFWHFNazVxQW9SdG9DRFdtYzY4bXFtSlVFbkpWUU85QTZITm15MTFndTZYMUl5dDBMdE5TRUhMbWxta1N6emNN?oc=5) · 1380kcim.com
- 2022-09-28 [Janice Ann Abbe Obituary Sep 28, 2022 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBZM2h0NVdTZGlzS2lzZWlBTGUwaEk3NHA3OFFzYzZXMjRGMVNQbWJ0U3NKa0ZUUFZGYkQ3NTZjazNxdXc1STJHYm5qX184WlBjZWlKZWRiWnJOMWtnUTItQk96WUU4Zw?oc=5) · Dahn &amp; Woodhouse Funeral Home
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-01-30 [Thomas Charles Rogers Obituary Jan 30, 2023 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1aZlE1UVJSNkFkVGE2YkpmYTAyYUtSdkhUSWROdmRJcm5JRS0yaGpzcnUxQld6MHpEU012RTExc3MwSWpIQlRaMDIzVGtUdzhYWlRhTjluVU5RaWd3Q1pfbzhmTno4NnRl?oc=5) · Dahn &amp; Woodhouse Funeral Home
- 2026-08-31 [Donor steps up to boost Puttin’ Partee fundraising for park project - Carroll Times Herald](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPUEJpSE03Skw3REtZVWhTelppWlF1SGcxaTNvZTFBb0NsY2FmOWVVLXZUVW5WMnpPNXEyNk1NYXJsMTNNN2dybXBvZVBPYktQSURUb1FDTlJXeTlLSlZXandCZGc2VGRNOTR4N2tVTnliWkhsVUJkQ3hHblVNNjNqUWduYnlhRlhpMjBxLV81aFJLbGhtSW9vcG1YblNsSlRqMmRNM1ZOeXc2T2JMdVdpZjQ2eFdNUlgwekMxbHNrWHJRT05zT1c1QXpPMGcxNFJ1UEdtVGJKRXFtd0VRR0I2OQ?oc=5) · Carroll Times Herald
- 2023-04-26 [Historic 120-Year-Old Iowa Building Destroyed by Fire [PHOTOS/VIDEO] - 98.1 KHAK](https://news.google.com/rss/articles/CBMiT0FVX3lxTE9xOEJYbGVVbnZfeFN1dndJQWZfZFIxLVQyS3lIQUxRdFoyVzh3Zm9wakV0OTNES0NJal9vY1JFSUhFbnVlVEEzSnR0Vy1kTWs?oc=5) · 98.1 KHAK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=231 (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/39.json (key "231", 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