Community State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 10.35 percentage points higher than in Q2 2026, at 547.98%. Within Wisconsin, Community State Bank is 36th of 153 on return on assets, 1.67% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community State Bank sits 0.42 points higher, at 1.67% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 5.41% |
| Tangible equity to tangible assets | 5.41% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 2.44% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 547.98% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 30.50% |
| Net interest margin | 3.96% |
| Efficiency ratio | 60.06% |
| Yield on earning assets | 4.67% |
| Cost of funds | 0.77% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 58.30% |
| Core deposits to total deposits | 98.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.72% |
| Securities to assets | 24.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 15.04% | 15.04% | 16.29% | 9.46% | 0.30% |
| Q1 2024 | 15.97% | 15.97% | 17.23% | 9.50% | 1.13% |
| Q2 2024 | 16.40% | 16.40% | 17.65% | 9.81% | 0.83% |
| Q3 2024 | 16.72% | 16.72% | 17.97% | 9.91% | 0.90% |
| Q4 2024 | — | — | — | 9.71% | 1.10% |
| Q1 2025 | — | — | — | 9.55% | 1.09% |
| Q2 2025 | — | — | — | 9.81% | 0.99% |
| Q3 2025 | — | — | — | 9.81% | 1.20% |
| Q4 2025 | — | — | — | 9.73% | 1.18% |
| Q1 2026 | — | — | — | 9.55% | 1.32% |
| Q2 2026 | — | — | — | 9.62% | 1.36% |
| Q3 2026 | — | — | — | 9.43% | 1.67% |
Community State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9536) · FFIEC NIC profile (RSSD 130345)