Community State Bank (Brook, IN)
Also written as CSB
BankRegReports is independent of Community State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community State Bank is an FDIC-insured commercial bank headquartered in Brook, IN, established in 1931 (FDIC certificate 8067), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $161.2M, up 11.2% from Q2 2025, the 75th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.41% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8067
- Headquarters
- Brook, IN
- Established
- 1931
- Total assets, Q2 2026
- $161.2M
- Assets vs Q2 2025
- +11.2%
- Tier 1 leverage ratio, Q2 2026
- 9.41%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 074912690
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank call report
- Asset rank in state
- 75th of 87 in Indiana
Community State Bank, based in Brook, Indiana, reported $161 million in assets at June 30, 2026, up 11.2% from a year earlier. It grew its loan book 15.2% over the year, about triple the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 2.53% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $436,000, 42% above the same quarter a year earlier. Over the same year, loans grew 15.2% and deposits grew 9.4%. Where it has less room is capital: it funds 9.41% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Community State Bank reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.85%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Community State Bank is the 75th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $161.2M, loans rose 2.7% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.5% of total loans, followed by construction and land development loans at 10.5%. Its 2 offices in the FDIC Summary of Deposits are in Brook, IN and West Lafayette, IN; its Brook office books 89% of its branch deposits. Judged on its Q2 2026 call report, Community State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 244 W Main St, Brook, IN 47922
- County
- Newton
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1931
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $135.1M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $158.7M
- Average total loans
- $130.9M
- Average interest-bearing deposits
- $113.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8067
- Fed RSSD
- 322449
- Website
- www.communitystatebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community State Bank's total assets ranged from $123.1M (Q3 2023) to $161.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$161.2M total assets against $145.0M; $147.3M total liabilities against $132.5M.
$131.4M net loans and leases against $114.1M; $135.1M total deposits against $123.5M.
$9.3M securities against $10.4M; $12.7M cash and balances due against $12.8M.
$2.2M total interest income against $1.9M; $901K total interest expense against $827K.
$1.3M net interest income against $1.1M.
$76K total noninterest income against $79K; $769K total noninterest expense against $722K.
$42K provision for credit losses against $42K.
$436K net income against $306K.
1.10% return on assets against 0.85%; 3.52% net interest margin against 3.22%.
9.41% tier 1 leverage ratio against 9.73%.
Inside the full Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity State Bank rankings
Its closest position to the top of a national ranking is 1,229 of 3,606, for efficiency ratio; its furthest is 3,208 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.62% (Q4 2024) to 1.10% (Q2 2026) and its net interest margin ran from 2.57% (Q3 2024) to 3.52% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.41% | 1.10% | 0.44% | 3.85% | 3.52% |
| Q1 2026 | 9.32% | 1.05% | 0.47% | 4.15% | 3.48% |
| Q4 2025 | 9.18% | 0.98% | 0.48% | 4.33% | 3.42% |
| Q3 2025 | 9.57% | 0.96% | 0.37% | 3.21% | 3.27% |
| Q2 2025 | 9.73% | 0.85% | 0.43% | 3.63% | 3.22% |
| Q1 2025 | 9.24% | 0.70% | 0.39% | 3.33% | 2.97% |
| Q4 2024 | 9.28% | 0.62% | 0.36% | 3.12% | 2.79% |
| Q3 2024 | 9.69% | 0.65% | 0.35% | 3.12% | 2.57% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community State Bank (main office) | Brook , IN | 47922 | $120.2M |
| Csb West Lafayette Branch | West Lafayette , IN | 47906 | $14.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 104 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Community State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Community State Bank
What are Community State Bank's total assets?
As of the Q2 2026 filing, Community State Bank reported total assets of $161.2 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Brook, IN, United States.
When was Community State Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community State Bank?
Community State Bank's primary federal regulator is the FDIC.
How many branches does Community State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community State Bank's Texas Ratio?
Its Texas Ratio is 3.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Community State Bank.
Get an email when Community State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Community State Bank, freeFree account