Community State Bank
Total assets
$1.75B
▲ +9.1% YoY
Deposits
$1.26B
▼ -0.7% YoY
Loans
$1.28B
▲ +7.1% YoY
Offices
10
QCR HOLDINGS INC
ROA (annualized)
1.34%
peers 1.26%
ROE (annualized)
11.65%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.6 pts |
| Deposit growth (YoY) | -0.7% | +5.1% | -5.8 pts |
| Loan growth (YoY) | +7.1% | +5.9% | +1.2 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 11.7% | 12.2% | -0.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
Profile
- Established
- 1960
- Charter
- State
- Primary regulator
- FED
- Holding company
- QCR HOLDINGS INC
- Specialization
- Commercial Lending Specialization
- Address
- 2750 Ne 36th St, Ankeny, IA, 50021
- County
- Polk
- Metro area
- Des Moines-West Des Moines, IA
- Offices
- 10
- FDIC cert #
- 18272
- RSSD ID
- 790543
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.75B | $1.26B | $1.28B | $202.1M | $11.6M | 1.34% | 3.48% | 0.14% |
| Q1 2026 | $1.74B | $1.31B | $1.30B | $200.5M | $5.8M | 1.33% | 3.42% | 0.15% |
| Q4 2025 | $1.72B | $1.34B | $1.27B | $195.2M | $19.6M | 1.21% | 3.42% | 0.12% |
| Q3 2025 | $1.68B | $1.30B | $1.26B | $190.2M | $15.1M | 1.26% | 3.38% | 0.01% |
| Q2 2025 | $1.60B | $1.27B | $1.19B | $182.7M | $9.3M | 1.19% | 3.36% | 0.34% |
| Q1 2025 | $1.58B | $1.24B | $1.18B | $177.7M | $4.1M | 1.07% | 3.30% | 0.45% |
| Q4 2024 | $1.52B | $1.26B | $1.15B | $173.1M | $19.6M | 1.32% | 3.31% | 0.08% |
| Q3 2024 | $1.51B | $1.27B | $1.15B | $170.7M | $14.6M | 1.33% | 3.30% | 0.12% |
Loan mix (Q2 2026): real estate $1.04B · commercial $201.7M · consumer $956K · securities $294.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.70% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 59.0% | 52th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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