CS BANK

EUREKA SPRINGS, AR | Medium | Est. May 1, 1912, midnight | FDIC #5635 | RSSD #514048 | FED
Latest Report: 2025-12-31

CS BANK is amn medium FDIC-insured commercial bank headquartered in EUREKA SPRINGS, AR, established in May 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $614M and total deposits of $475M. Profitability stands at 2.20% ROA and 19.00% ROE, with a net interest margin of 4.88%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.87% and a Texas Ratio of 5.77%. FDIC Certificate #5635.

Assets

$614M

Deposits

$475M

Loans

$503M

Equity

$72M

Profitability

Return on Assets (ROA) 2.20%
Return on Equity (ROE) 19.00%
Net Interest Margin (NIM) 4.88%
Yield on Assets 7.20%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 0.87%
Net Charge-Off Ratio 0.12%
Texas Ratio 5.77%
NPA Ratio 0.76%
ACL / Loans 1.77%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.29%
Leverage Ratio 11.68%
Loan-to-Deposit 106.03%

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