BanksCOMMUNITY STATE BANK

COMMUNITY STATE BANK

AVILLA, INMediumEst. Feb. 19, 1931, midnightFDIC #14883RSSD #502746FED
Latest · 2025-12-31

COMMUNITY STATE BANK is an 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%. CET1 capital ratio: 13.47%, well above regulatory minimums. NPL ratio: 0.07% · Texas Ratio: 0.49%. Operates 5 domestic branches.

Assets
$572M
Deposits
$523M
Loans
$387M
Equity
$48M

Profitability

Return on Assets (ROA)0.97%
Return on Equity (ROE)11.25%
Net Interest Margin3.90%
Yield on Assets6.13%
Cost of Funds2.25%

Asset Quality

NPL Ratio0.07%
Net Charge-Off Ratio0.03%
Texas Ratio0.49%
NPA Ratio0.05%
ACL / Loans1.26%

Capital & Liquidity

CET1 Ratio13.47%
Tier 1 Capital13.47%
Total Capital Ratio14.72%
Leverage Ratio9.21%
Loan-to-Deposit74.00%

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