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Community State Bank Spencer, IA

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Community State Bank Spencer, IA Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community State Bank Spencer, IA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare Community State Bank Spencer, IA rates to other rates in our database, including 12-month CD rates currently at 3.29%, 6-month CD rates at 3.14% and 3-month CD rates at 3.24%. Savings rates are at 0.15% and money market rates are at 3.50%. Mortgage rates on 30-year fixed loans are around 6.23%. All these rates can be compared to Community State Bank Spencer, IA rates. MonitorBankRates evaluates the financial stability of Community State Bank Spencer, IA with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.48%. Rates were last updated on 03/28/2026.

Community State Bank Spencer, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community State Bank Spencer, IA? Share your experience about Community State Bank Spencer, IA by leaving a review below, or read customer reviews before you decide to use Community State Bank Spencer, IA.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.48%

Good Higher than avg

Community State Bank Spencer, IA

1812 Highway Blvd
Spencer, IA 51301

https://www.ecommunitybank.org

Current Rate Availability

We do not have Community State Bank Spencer, IA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Community State Bank Spencer, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Community State Bank Spencer, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community State Bank Spencer, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community State Bank Spencer, IA

Bank Holding Company COMMUNITY STATE BCORP

Address 1812 Highway Blvd, Spencer, IA 51301 · Clay

Website https://www.ecommunitybank.org

FDIC Certificate # 230

Established 01/01/1914

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5299%

Return on Equity (ROE) 25.4500%

Non-Performing Loans (NPL) 0.75%

Total Assets $342,577,000

Total Deposits $291,162,000

Equity Capital $28,488,000

Net Income $4,134,000

Headquarters Spencer

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Community State Bank Spencer, IA

Is Community State Bank Spencer, IA a safe place to deposit money?

Yes, Community State Bank Spencer, IA is considered a safe financial institution. With a Texas Ratio of 15.480043149946%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Community State Bank Spencer, IA operate?

Community State Bank Spencer, IA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Community State Bank Spencer, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community State Bank Spencer, IA provides members with tools to manage their accounts and build a solid financial history.

Does Community State Bank Spencer, IA offer online and mobile banking?

Most modern institutions like Community State Bank Spencer, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ecommunitybank.org.