COMMUNITY STATE BANK

ROYAL CENTER, IN | Small | Est. May 22, 1930, midnight | FDIC #1839 | RSSD #987848 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK is asn small FDIC-insured commercial bank headquartered in ROYAL CENTER, IN, established in May 22, 1930, midnight. As of 2025-12-31, the bank reported total assets of $173M and total deposits of $158M. Profitability stands at 0.42% ROA and 5.14% ROE, with a net interest margin of 3.13%. The bank's CET1 capital ratio is 17.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 3.28%. FDIC Certificate #1839.

Assets

$173M

Deposits

$158M

Loans

$87M

Equity

$14M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 5.14%
Net Interest Margin (NIM) 3.13%
Yield on Assets 4.61%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio --
Texas Ratio 3.28%
NPA Ratio 0.29%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 17.46%
Tier 1 Capital 17.46%
Total Capital Ratio 18.69%
Leverage Ratio 10.17%
Loan-to-Deposit 55.25%

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