COMMUNITY STATE BANK

GALVA, IL | Small | Est. Nov. 24, 1980, midnight | FDIC #23257 | RSSD #987231 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK is asn small FDIC-insured commercial bank headquartered in GALVA, IL, established in Nov. 24, 1980, midnight. As of 2025-12-31, the bank reported total assets of $388M and total deposits of $346M. Profitability stands at 0.95% ROA and 9.13% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 9.51%. Asset quality metrics show a non-performing loan ratio of 1.14% and a Texas Ratio of 7.23%. FDIC Certificate #23257.

Assets

$388M

Deposits

$346M

Loans

$282M

Equity

$40M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 9.13%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.63%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 1.14%
Net Charge-Off Ratio -0.13%
Texas Ratio 7.23%
NPA Ratio 0.83%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 9.51%
Tier 1 Capital 9.51%
Total Capital Ratio 9.99%
Leverage Ratio 10.19%
Loan-to-Deposit 81.35%

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