COMMUNITY STATE BANK

SHELBINA, MO | Small | Est. Nov. 28, 1977, midnight | FDIC #22567 | RSSD #367150 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK is asn small FDIC-insured commercial bank headquartered in SHELBINA, MO, established in Nov. 28, 1977, midnight. As of 2025-12-31, the bank reported total assets of $128M and total deposits of $105M. Profitability stands at 1.28% ROA and 10.95% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 11.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 4.82%. FDIC Certificate #22567. The institution operates 1 domestic branch.

Assets

$128M

Deposits

$105M

Loans

$88M

Equity

$15M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 10.95%
Net Interest Margin (NIM) 3.98%
Yield on Assets 6.01%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.05%
Texas Ratio 4.82%
NPA Ratio 0.60%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 11.56%
Tier 1 Capital 11.56%
Total Capital Ratio 12.14%
Leverage Ratio 11.57%
Loan-to-Deposit 84.27%

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