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 Securities to assets: 3.44 percentage points lower than in Q1 2026, at 39.90%. Within Iowa, Community State Bank is 190th of 225 on return on assets, 0.87% as of Q2 2026. Community State Bank reported 0.87% on return on assets for Q2 2026, 0.13 points below the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 39.93% |
| Tier 1 risk-based capital ratio | 39.93% |
| Total risk-based capital ratio | 40.18% |
| Tier 1 leverage ratio | 20.23% |
| Equity capital to assets | 18.78% |
| Tangible equity to tangible assets | 18.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.23% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.39% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 4.73% |
| Net interest margin | 2.87% |
| Efficiency ratio | 72.84% |
| Yield on earning assets | 3.98% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.56% |
| Core deposits to total deposits | 96.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.07% |
| Securities to assets | 39.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 33.52% | 33.52% | 34.78% | 17.37% | 0.29% |
| Q4 2023 | 30.61% | 30.61% | 31.86% | 17.81% | 0.37% |
| Q1 2024 | 32.87% | 32.87% | 34.13% | 17.83% | 0.41% |
| Q2 2024 | 33.46% | 33.46% | 34.72% | 18.92% | 0.84% |
| Q3 2024 | 34.96% | 34.96% | 36.23% | 19.24% | 0.62% |
| Q4 2024 | 33.54% | 33.54% | 34.80% | 19.54% | -0.03% |
| Q1 2025 | 36.49% | 36.49% | 37.75% | 19.63% | 0.31% |
| Q2 2025 | 38.02% | 38.02% | 39.28% | 19.99% | 1.00% |
| Q3 2025 | 38.22% | 38.22% | 38.42% | 19.96% | -0.13% |
| Q4 2025 | 35.19% | 35.19% | 35.38% | 19.40% | 0.23% |
| Q1 2026 | 37.47% | 37.47% | 37.67% | 19.74% | 0.27% |
| Q2 2026 | 39.93% | 39.93% | 40.18% | 20.23% | 0.87% |
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 17551) · FFIEC NIC profile (RSSD 92144)