Community Savings Bank (FDIC #14633): Bank Stress & Real-Estate Credit Exposure
Community Savings Bank (FDIC Cert #14633): bank stress 74/100, elevated, STABLE over 7 days; parent COMMUNITY FINANCIAL CORP.
Community Savings Bank (#14633) lends in 4 counties across 1 state; Community Savings Bank (#14633) reaches 78 ZIP codes: Iowa 4 counties, 78 ZIPs.
Community Savings Bank (#14633) largest markets: Linn County, IA (150 branches, 30 ZIPs) (#14633), Clayton County, IA (48 branches, 24 ZIPs) (#14633), Dubuque County, IA (40 branches, 20 ZIPs) (#14633), Delaware County, IA (51 branches, 17 ZIPs) (#14633).
Community Savings Bank (#14633) reports $613.6 million in total assets; Community Savings Bank (#14633) equity $55.1 million (9.0% of Community Savings Bank (#14633) assets); Community Savings Bank (#14633) domestic deposits $501.4 million; Community Savings Bank (#14633) net income $3.1 million; Community Savings Bank (#14633) return on assets 1.02%; Community Savings Bank (#14633) return on equity 11.61%; Community Savings Bank (#14633) net interest income $10.3 million; Community Savings Bank (#14633) call report June 30, 2026.
Community Savings Bank (#14633) noncurrent real-estate loans 0.22% of its book; Community Savings Bank (#14633) residential 0.67%; Community Savings Bank (#14633) net charge-offs on real estate 0.48%; Community Savings Bank (#14633) residential charge-offs 0.65%.
Community Savings Bank (#14633) net interest margin 3.55% against an eight-quarter Community Savings Bank (#14633) average of 3.21% (Community Savings Bank (#14633) compression -0.33 points); Community Savings Bank (#14633) real-estate loans 22.5% of equity; Community Savings Bank (#14633) non-residential real estate 65.3% of equity; Community Savings Bank (#14633) rate-exposure score 40/100, Community Savings Bank (#14633) fixed-rate trap 40/100; Community Savings Bank (#14633) risk type credit driven; Community Savings Bank (#14633) rate regime rates elevated, Community Savings Bank (#14633) snapshot October 19, 2026.
Community Savings Bank (#14633) stress score held at 73.8 across 117 daily snapshots, June 22, 2026 to October 20, 2026.
Community Savings Bank (#14633) alerts: 4 counties; top Community Savings Bank (#14633) alert scores: Guttenberg County, IA 24 (low); Manchester County, IA 24 (low); Peosta County, IA 24 (low); Robins County, IA 24 (low).