Community State Bank (Bradley, AR)
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 Bradley, AR, established in 1933 (FDIC certificate 5619), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $89.8M, up 22.0% from Q2 2025, the 75th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.98% 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
- 5619
- Headquarters
- Bradley, AR
- Established
- 1933
- Total assets, Q2 2026
- $89.8M
- Assets vs Q2 2025
- +22.0%
- Tier 1 leverage ratio, Q2 2026
- 9.98%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 082905136
- Holding company
- POWER BANCSHARES, INC.
- Asset rank in state
- 75th of 78 in Arkansas
Community State Bank pays more for its money than most banks of its size. The Bradley, Arkansas bank had $90 million in assets at June 30, 2026, up 22.0% from a year earlier. It pays an average of 3.01% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 2.3 times its capital, 8.6 times the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $223,000, 92% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.29%. Where it has less room is capital: it funds 9.98% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Community State Bank reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Community State Bank ranks as the 75th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $89.8M, loans rose 2.4% and deposits fell 3.8%. Commercial and industrial loans made up 28.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.5%. The FDIC Summary of Deposits lists 2 offices for it, in Bradley, AR and Texarkana, AR; its Bradley office books 72% 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 W 4th St, Bradley, AR 71826
- County
- Lafayette
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $76.3M
- Allowance for credit losses
- $704K
- Net charge-offs (YTD)
- $0
- Average total assets
- $88.3M
- Average total loans
- $78.1M
- Average interest-bearing deposits
- $65.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5619
- Fed RSSD
- 378044
- Website
- www.csbarkansas.com →
- Parent Holding Company
- POWER BANCSHARES, INC. (RSSD 5813513)
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 $37.2M (Q3 2023) to $89.8M (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
$89.8M total assets against $73.6M; $80.6M total liabilities against $64.9M.
$78.1M net loans and leases against $64.9M; $76.3M total deposits against $64.6M.
$376K securities against $413K; $7.9M cash and balances due against $5.1M.
$1.5M total interest income against $1.3M; $592K total interest expense against $523K.
$950K net interest income against $812K.
$63K total noninterest income against $55K; $656K total noninterest expense against $616K.
$55K provision for credit losses against $80K.
$223K net income against $116K.
1.01% return on assets against 0.63%; 4.53% net interest margin against 4.70%.
9.98% tier 1 leverage ratio against 11.44%.
Inside the full Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.19% (Q1 2025) to 1.01% (Q2 2026) and its net interest margin ran from 4.30% (Q1 2026) to 4.95% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.98% | 1.01% | 0.00% | 0.00% | 4.53% |
| Q1 2026 | 10.20% | 0.63% | 0.00% | 0.00% | 4.30% |
| Q4 2025 | 10.47% | 1.01% | 0.00% | 0.00% | 4.58% |
| Q3 2025 | 10.78% | 0.78% | 0.10% | 0.70% | 4.54% |
| Q2 2025 | 11.44% | 0.63% | 0.29% | 2.10% | 4.70% |
| Q1 2025 | 12.89% | 0.19% | 0.61% | 4.04% | 4.35% |
| Q4 2024 | 14.74% | 0.34% | 0.21% | 1.20% | 4.95% |
| Q3 2024 | 16.42% | 0.36% | 0.25% | 1.25% | 4.84% |
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) | Bradley , AR | 71826 | $55.2M |
| Texarkana Branch | Texarkana , AR | 71854 | $21.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AR, rank 95 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $995K approved, $995K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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
Add this badge to your website
Free to use. It shows Community State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Community State Bank with peers
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 $89.8 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Bradley, AR, United States.
When was Community State Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5619). 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 0.00% 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