Community State Bank (FDIC #230): Bank Stress & Real-Estate Credit Exposure
Community State Bank (FDIC Cert #230): bank stress 68/100, elevated, STABLE over 7 days; parent COMMUNITY STATE BCORP.
Community State Bank (#230) lends in 4 counties across 1 state; Community State Bank (#230) reaches 47 ZIP codes: Iowa 4 counties, 47 ZIPs.
Community State Bank (#230) largest markets: Clay County, IA (34 branches, 17 ZIPs) (#230), Pocahontas County, IA (16 branches, 16 ZIPs) (#230), Buena Vista County, IA (28 branches, 14 ZIPs) (#230), Palo Alto County, IA (28 branches, 14 ZIPs) (#230).
Community State Bank (#230) reports $345.8 million in total assets; Community State Bank (#230) equity $29.3 million (8.5% of Community State Bank (#230) assets); Community State Bank (#230) domestic deposits $295.5 million; Community State Bank (#230) net income $2.4 million; Community State Bank (#230) return on assets 1.42%; Community State Bank (#230) return on equity 17.27%; Community State Bank (#230) net interest income $5.3 million; Community State Bank (#230) call report June 30, 2026.
Community State Bank (#230) noncurrent real-estate loans: none reported; Community State Bank (#230) net charge-offs on real estate 1.79%; Community State Bank (#230) residential charge-offs 2.71%.
Community State Bank (#230) net interest margin 3.23% against an eight-quarter Community State Bank (#230) average of 3.16% (Community State Bank (#230) compression -0.07 points); Community State Bank (#230) non-residential real estate 270.5% of equity; Community State Bank (#230) rate-exposure score 40/100, Community State Bank (#230) fixed-rate trap 40/100; Community State Bank (#230) risk type credit driven; Community State Bank (#230) rate regime rates elevated, Community State Bank (#230) snapshot October 20, 2026.
Community State Bank (#230) stress score moved from 72.7 on June 22, 2026 to 67.5 on October 20, 2026; Community State Bank (#230) ranged 67.5 to 72.7 over 117 snapshots.
Community State Bank (#230) alerts: 4 counties; top Community State Bank (#230) alert scores: Laurens County, IA 24 (low); Mallard County, IA 24 (low); Sioux Rapids County, IA 24 (low); Webb County, IA 24 (low).