Community State Bank (Shelbina, MO)
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Data as of · sourced from FFIEC call reports. How we update
Community State Bank is an FDIC-insured commercial bank headquartered in Shelbina, MO, established in 1977 (FDIC certificate 22567), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $132.8M, up 7.5% from Q2 2025, the 157th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.05% 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
- 22567
- Headquarters
- Shelbina, MO
- Established
- 1977
- Total assets, Q2 2026
- $132.8M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 12.05%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081503607
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank call report
- Holding company
- COMMUNITY STATE BANCSHARES, INC
- Asset rank in state
- 157th of 191 in Missouri
Community State Bank runs leaner than most banks of its size. Its balance sheet stood at $133 million at June 30, 2026, up 7.5% from a year earlier; it is based in Shelbina, Missouri. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 16.2% over the year, about triple the median of 5.5% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $583,000. Over the same year, loans grew 16.2% and deposits grew 8.1%.
As of June 30, 2026, Community State Bank reported a return on assets of 1.76%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 1.23%. The figures come from its call report filed with the FFIEC.
Community State Bank ranks as the 157th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $132.8M, loans rose 4.8% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.9% of total loans, followed by auto loans at 10.6%. The FDIC Summary of Deposits lists 2 offices for it, in Shelbina, MO and Clarence, MO; its Shelbina office books 90% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 208 N Center St, Shelbina, MO 63468
- County
- Shelby
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 28, 1977
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $109.2M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $132.7M
- Average total loans
- $91.2M
- Average interest-bearing deposits
- $80.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 28, 1977
- FDIC Cert
- 22567
- Fed RSSD
- 367150
- Website
- www.commbankonline.com →
- Parent Holding Company
- COMMUNITY STATE BANCSHARES, INC (RSSD 2516961)
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
Over the 12 quarters to Q2 2026, Community State Bank's total assets ran between $99.3M (Q3 2023) and $132.8M (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
$132.8M total assets against $123.4M; $117.2M total liabilities against $109.8M.
$92.3M net loans and leases against $79.3M; $109.2M total deposits against $101.0M.
$21.9M securities against $23.0M; $16.1M cash and balances due against $19.0M.
$1.8M total interest income against $1.6M; $599K total interest expense against $574K.
$1.2M net interest income against $1.0M.
$65K total noninterest income against $64K; $509K total noninterest expense against $431K.
$42K provision for credit losses against $42K.
$583K net income against $487K.
1.76% return on assets against 1.62%; 3.87% net interest margin against 3.65%.
12.05% tier 1 leverage ratio against 10.79%.
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 157 of 3,606, for efficiency ratio; its furthest is 3,435 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q4 2024) to 1.80% (Q3 2025) and its net interest margin ran from 3.39% (Q3 2024) to 3.87% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.05% | 1.76% | 0.10% | 1.23% | 3.87% |
| Q1 2026 | 11.49% | 1.72% | 0.07% | 1.02% | 3.61% |
| Q4 2025 | 11.57% | 1.27% | 0.76% | 4.84% | 3.75% |
| Q3 2025 | 11.44% | 1.80% | 0.26% | 1.97% | 3.68% |
| Q2 2025 | 10.79% | 1.62% | 0.33% | 2.25% | 3.65% |
| Q1 2025 | 11.80% | 1.56% | 0.39% | 2.59% | 3.47% |
| Q4 2024 | 12.33% | 1.26% | 0.15% | 1.33% | 3.61% |
| Q3 2024 | 12.54% | 1.46% | 0.15% | 1.66% | 3.39% |
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) | Shelbina , MO | 63468 | $98.0M |
| Clarence Branch | Clarence , MO | 63437 | $11.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 192 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $132.8 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Shelbina, MO, United States.
When was Community State Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22567). 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 1.23% 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.
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