COMMUNITY STATE BANK

AVILLA, IN | Medium | Est. Feb. 19, 1931, midnight | FDIC #14883 | RSSD #502746 | FED
Latest Report: 2025-12-31

COMMUNITY STATE BANK is amn medium FDIC-insured commercial bank headquartered in AVILLA, IN, established in Feb. 19, 1931, midnight. As of 2025-12-31, the bank reported total assets of $572M and total deposits of $523M. Profitability stands at 0.97% ROA and 11.25% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 13.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.49%. FDIC Certificate #14883.

Assets

$572M

Deposits

$523M

Loans

$387M

Equity

$48M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 11.25%
Net Interest Margin (NIM) 3.90%
Yield on Assets 6.13%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.49%
NPA Ratio 0.05%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 13.47%
Tier 1 Capital 13.47%
Total Capital Ratio 14.72%
Leverage Ratio 9.21%
Loan-to-Deposit 74.00%

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