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 Q2 2026 was in Core deposits to total deposits: 13.90 percentage points lower than in Q1 2026, at 55.94%. Within Indiana, Community State Bank is 46th of 87 on return on assets, 1.10% as of Q2 2026, below 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 0.16 points lower, at 1.10% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.41% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 5.37% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 163.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 12.74% |
| Net interest margin | 3.52% |
| Efficiency ratio | 54.77% |
| Yield on earning assets | 5.92% |
| Cost of funds | 2.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.29% |
| Core deposits to total deposits | 55.94% |
| Brokered deposits to total deposits | 15.76% |
| Deposits to assets | 83.79% |
| Securities to assets | 5.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.84% | 1.11% | 3.33% | 0.76% | -0.02% |
| Q4 2023 | 10.04% | 0.92% | 3.04% | 0.79% | -0.01% |
| Q1 2024 | 9.72% | 0.79% | 2.94% | 0.48% | 0.10% |
| Q2 2024 | 9.65% | 0.68% | 2.73% | 0.62% | -0.04% |
| Q3 2024 | 9.69% | 0.65% | 2.57% | 0.58% | -0.01% |
| Q4 2024 | 9.28% | 0.62% | 2.79% | 0.59% | -0.01% |
| Q1 2025 | 9.24% | 0.70% | 2.97% | 0.56% | -0.01% |
| Q2 2025 | 9.73% | 0.85% | 3.22% | 0.53% | -0.04% |
| Q3 2025 | 9.57% | 0.96% | 3.27% | 0.57% | 0.00% |
| Q4 2025 | 9.18% | 0.98% | 3.42% | 0.67% | -0.01% |
| Q1 2026 | 9.32% | 1.05% | 3.48% | 0.66% | -0.01% |
| Q2 2026 | 9.41% | 1.10% | 3.52% | 0.62% | -0.04% |
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 8067) · FFIEC NIC profile (RSSD 322449)