Community State Bank (Galva, IL)
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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 Galva, IL, established in 1980 (FDIC certificate 23257), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $441.9M, up 18.6% from Q2 2025, the 112th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.41% 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
- 23257
- Headquarters
- Galva, IL
- Established
- 1980
- Total assets, Q2 2026
- $441.9M
- Assets vs Q2 2025
- +18.6%
- Tier 1 leverage ratio, Q2 2026
- 9.41%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 071124931
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank call report
- Holding company
- CSB FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 112th of 319 in Illinois
Community State Bank leans heavily on commercial real estate. The Galva, Illinois bank had $442 million in assets at June 30, 2026, up 18.6% from a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 20.3% over the year, 5.0 times the median of 4.0% for banks its size.
Net income for the quarter slipped 14% from a year earlier, to $1.3 million. Over the same year, loans grew 15.2% and deposits grew 20.3%. Where it has less room is capital: it funds 9.41% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Community State Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 1.38% and a Texas ratio of 9.63%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community State Bank is the 112th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 9.4% to $441.9M, loans rose 1.3% and deposits rose 10.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 21.6% of total loans, followed by owner-occupied commercial real estate loans at 21.0%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities across 2 states; its Kewanee 2 offices book 23% 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
- 625 Se 2nd St, Galva, IL 61434
- County
- Henry
- Metro Area
- Davenport-Moline-Rock Island, IA-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 24, 1980
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $399.1M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- -$25K
- Average total assets
- $424.4M
- Average total loans
- $296.7M
- Average interest-bearing deposits
- $319.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 24, 1980
- FDIC Cert
- 23257
- Fed RSSD
- 987231
- Website
- http://www.commstatebank.com →
- Parent Holding Company
- CSB FINANCIAL HOLDINGS, INC. (RSSD 1207860)
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
Community State Bank's total assets moved between a low of $346.2M (Q3 2023) and a high of $441.9M (Q2 2026) from Q3 2023 to 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
$441.9M total assets against $372.7M; $400.7M total liabilities against $333.7M.
$297.7M net loans and leases against $258.3M; $399.1M total deposits against $331.7M.
$93.2M securities against $89.0M; $34.9M cash and balances due against $15.0M.
$5.9M total interest income against $5.2M; $2.1M total interest expense against $1.8M.
$3.8M net interest income against $3.4M.
$149K total noninterest income against $160K; $2.5M total noninterest expense against $1.9M.
$75K provision for credit losses against $75K.
$1.3M net income against $1.5M.
1.24% return on assets against 1.64%; 3.92% net interest margin against 3.99%.
9.41% tier 1 leverage ratio against 10.19%.
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.
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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Community State Bank rankings
Its closest position to the top of a national ranking is 673 of 3,640, for Texas Ratio; its furthest is 1,915 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q4 2025) to 2.24% (Q4 2024) and its net interest margin ran from 3.63% (Q4 2025) to 4.01% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.41% | 1.24% | 1.38% | 9.63% | 3.92% |
| Q1 2026 | 9.85% | 1.36% | 1.20% | 8.45% | 4.01% |
| Q4 2025 | 10.19% | 0.96% | 1.18% | 7.91% | 3.63% |
| Q3 2025 | 10.14% | 1.59% | 1.27% | 7.99% | 4.01% |
| Q2 2025 | 10.19% | 1.64% | 1.32% | 8.51% | 3.99% |
| Q1 2025 | 9.97% | 1.40% | 1.33% | 8.86% | 3.79% |
| Q4 2024 | 9.87% | 2.24% | 0.13% | 0.83% | 3.66% |
| Q3 2024 | 9.84% | 1.01% | 1.63% | 10.95% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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) | Galva , IL | 61434 | $84.6M |
| Franklin Bank Branch | Franklin , IL | 62638 | $82.3M |
| Walnut Branch | Walnut , IL | 61376 | $77.6M |
| Kewanee Branch | Kewanee , IL | 61443 | $69.6M |
| Galesburg Office Branch | Galesburg , IL | 61401 | $30.3M |
| Main Street Kewanee Branch | Kewanee , IL | 61443 | $21.4M |
| Knoxville Branch | Knoxville , IL | 61448 | $18.6M |
| Neponset Whaples Branch | Neponset , IL | 61345 | $12.0M |
| Elberta Branch | Elberta , AL | 36530 | $2.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2022 | Structure Change | Acquired Citizens First State Bank of Walnut Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 8, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 2015 | Structure Change | Acquired Franklin Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 2004 | Structure Change | Acquired The Whaples and Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 130 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 27 loans originated, $1.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $441.9 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Galva, IL, United States.
When was Community State Bank founded?
It was established in 1980, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23257). 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 9 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 9.63% 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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