BanksCOMMUNITY STATE BANK

COMMUNITY STATE BANK

SHELBINA, MOSmallEst. Nov. 28, 1977, midnightFDIC #22567RSSD #367150FDIC
Latest · 2025-12-31

COMMUNITY STATE BANK is an 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%. CET1 capital ratio: 11.56%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 4.82%. Operates 2 domestic branches.

Assets
$128M
Deposits
$105M
Loans
$88M
Equity
$15M

Profitability

Return on Assets (ROA)1.28%
Return on Equity (ROE)10.95%
Net Interest Margin3.98%
Yield on Assets6.01%
Cost of Funds2.12%

Asset Quality

NPL Ratio0.75%
Net Charge-Off Ratio0.05%
Texas Ratio4.82%
NPA Ratio0.60%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio11.56%
Tier 1 Capital11.56%
Total Capital Ratio12.14%
Leverage Ratio11.57%
Loan-to-Deposit84.27%

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