Community State Bank (Avilla, IN)
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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 Avilla, IN, established in 1931 (FDIC certificate 14883), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $553.6M, up 10.9% from Q2 2025, the 38th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 13.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14883
- Headquarters
- Avilla, IN
- Established
- 1931
- Total assets, Q2 2026
- $553.6M
- Assets vs Q2 2025
- +10.9%
- CET1 ratio, Q2 2026
- 13.34%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 074906800
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank call report
- Holding company
- COMMUNITY FINANCIAL CORP.
- Asset rank in state
- 38th of 87 in Indiana
Problem loans are rising at Community State Bank. The Avilla, Indiana bank had $554 million in assets at June 30, 2026, up 10.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.48% of loans from 0.05% a year earlier. It grew deposits 11.1% over the year, about triple the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.51% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Its $70 million commercial and industrial book is improving, with 1.86% past due or on nonaccrual, down from 4.49% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.9% and deposits rose 11.1%.
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 13.34%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community State Bank is the 38th largest of the 87 banks headquartered in Indiana. From Q1 2026 to Q2 2026, its total assets rose 6.2% to $553.6M, loans rose 0.9% and deposits rose 6.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.9% of total loans, followed by owner-occupied commercial real estate loans at 24.3%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in IN; its Auburn office books 30% of its branch deposits. Judged on its Q2 2026 call report, Community State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 802 E Albion St, Avilla, IN 46710
- County
- Noble
- Metro Area
- Kendallville, IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 19, 1931
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $502.3M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $565.9M
- Average total loans
- $396.3M
- Average interest-bearing deposits
- $415.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 20, 1934
- FDIC Cert
- 14883
- Fed RSSD
- 502746
- Website
- www.csbbankonline.bank →
- Parent Holding Company
- COMMUNITY FINANCIAL CORP. (RSSD 1139738)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community State Bank's total assets ran between $452.8M (Q3 2023) and $572.4M (Q4 2025), 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
$553.6M total assets against $499.2M; $504.3M total liabilities against $453.8M.
$394.2M net loans and leases against $383.7M; $502.3M total deposits against $452.2M.
$65.8M securities against $28.6M; $74.8M cash and balances due against $68.2M.
$7.5M total interest income against $7.2M; $2.5M total interest expense against $2.6M.
$5.0M net interest income against $4.5M.
$445K total noninterest income against $656K; $3.2M total noninterest expense against $3.3M.
$55K provision for credit losses against $0.
$1.7M net income against $1.5M.
1.21% return on assets against 1.14%; 3.68% net interest margin against 3.63%.
13.34% CET1 capital ratio against 12.84%; 9.51% tier 1 leverage ratio against 9.87%.
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 1,652 of 4,196, for total assets; its furthest is 1,302 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q1 2026) to 1.21% (Q2 2026) and its net interest margin ran from 3.43% (Q4 2024) to 3.85% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.34% | 1.21% | 0.48% | 3.50% | 3.68% |
| Q1 2026 | 13.24% | 0.77% | 0.42% | 3.10% | 3.66% |
| Q4 2025 | 13.47% | 0.94% | 0.07% | 0.49% | 3.59% |
| Q3 2025 | 12.88% | 1.00% | 0.11% | 0.84% | 3.85% |
| Q2 2025 | 12.84% | 1.14% | 0.05% | 0.42% | 3.63% |
| Q1 2025 | 12.29% | 0.98% | 0.51% | 4.02% | 3.46% |
| Q4 2024 | 12.13% | 1.01% | 0.69% | 5.56% | 3.43% |
| Q3 2024 | 12.62% | 1.13% | 0.04% | 0.31% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Auburn Branch | Auburn , IN | 46706 | $152.3M |
| 115 South Main Street Branch | Albion , IN | 46701 | $120.4M |
| 506 East North Branch | Kendallville , IN | 46755 | $94.5M |
| Community State Bank (main office) | Avilla , IN | 46710 | $86.3M |
| Fw Lima Branch | Fort Wayne , IN | 46845 | $48.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 54 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.7M approved, $848K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 $553.6 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Avilla, 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 #14883). 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 Federal Reserve.
What is Community State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community State Bank operate?
It operates 5 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 3.50% 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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