Community State Bank (Royal Center, 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 Royal Center, IN, established in 1930 (FDIC certificate 1839), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $175.9M, up 1.9% from Q2 2025, the 73rd largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 16.81% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1839
- Headquarters
- Royal Center, IN
- Established
- 1930
- Total assets, Q2 2026
- $175.9M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 16.81%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 074912645
- Latest call report
- Q2 2026, FFIEC 041 · Community State Bank call report
- Holding company
- COMMUNITY BANCORP
- Asset rank in state
- 73rd of 87 in Indiana
Community State Bank, based in Royal Center, Indiana, reported $176 million in assets at June 30, 2026, up 1.9% from a year earlier. It holds commercial real estate loans equal to only 8% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 9.6% and deposits rose 1.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.1 million equal 29% of Tier 1 capital, down from 40% a year earlier. Profitability lags: it earns about $0.55 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 16.81%, a return on assets of 0.55%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Community State Bank is the 73rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.9% to $175.9M, loans rose 8.6% and deposits rose 4.4%. 1-4 family residential loans made up 27.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 25.8%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IN; its Royal Center office books 52% of its branch deposits. On its Q2 2026 call report, Community State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Chicago St, Royal Center, IN 46978
- County
- Cass
- Metro Area
- Logansport, IN
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 22, 1930
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $160.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $167.7M
- Average total loans
- $92.0M
- Average interest-bearing deposits
- $135.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1839
- Fed RSSD
- 987848
- Website
- www.csbnetbank.com →
- Parent Holding Company
- COMMUNITY BANCORP (RSSD 1210347)
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 $162.9M (Q3 2023) and $181.2M (Q4 2024), 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
$175.9M total assets against $172.6M; $161.7M total liabilities against $160.1M.
$94.8M net loans and leases against $86.2M; $160.6M total deposits against $158.9M.
$58.5M securities against $64.5M; $14.1M cash and balances due against $13.2M.
$1.8M total interest income against $1.8M; $527K total interest expense against $582K.
$1.3M net interest income against $1.2M.
$213K total noninterest income against $209K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$232K net income against $210K.
0.55% return on assets against 0.49%; 3.19% net interest margin against 2.94%.
16.81% CET1 capital ratio against 17.16%; 10.48% tier 1 leverage ratio against 10.05%.
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 604 of 2,134, for CET1 ratio; its furthest is 3,238 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q4 2024) to 0.73% (Q1 2026) and its net interest margin ran from 2.81% (Q4 2024) to 3.24% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.81% | 0.55% | 0.37% | 2.41% | 3.19% |
| Q1 2026 | 17.98% | 0.73% | 0.12% | 0.69% | 3.07% |
| Q4 2025 | 17.45% | 0.42% | 0.97% | 5.62% | 3.07% |
| Q3 2025 | 17.49% | 0.62% | 0.98% | 5.84% | 3.08% |
| Q2 2025 | 17.16% | 0.49% | 0.83% | 5.47% | 2.94% |
| Q1 2025 | 17.32% | 0.63% | 0.00% | 0.00% | 3.24% |
| Q4 2024 | 16.47% | 0.37% | 0.23% | 1.68% | 2.81% |
| Q3 2024 | 17.08% | 0.49% | 0.46% | 2.87% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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) | Royal Center , IN | 46978 | $82.9M |
| Twelve Mile Branch | Twelve Mile , IN | 46988 | $34.0M |
| Walton Branch | Walton , IN | 46994 | $29.5M |
| Kewanna Branch | Kewanna , IN | 46939 | $14.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 98 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.8M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 $175.9 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Royal Center, IN, United States.
When was Community State Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1839). 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.
What is Community State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.81% 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 4 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 2.41% 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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