Community State Bank of Missouri
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Data as of · sourced from FFIEC call reports. How we update
Community State Bank of Missouri is an FDIC-insured commercial bank headquartered in Bowling Green, MO, established in 1887 (FDIC certificate 1936), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $333.9M, up 3.7% from Q2 2025, the 94th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.02% 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
- 1936
- Headquarters
- Bowling Green, MO
- Established
- 1887
- Total assets, Q2 2026
- $333.9M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 11.02%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081509449
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank of Missouri Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 94th of 191 in Missouri
Little in Community State Bank of Missouri's latest call report stands out. Its balance sheet stood at $334 million at June 30, 2026, up 3.7% from a year earlier; it is based in Bowling Green, Missouri. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.6 million, 39% above the same quarter a year earlier.
As of June 30, 2026, Community State Bank of Missouri reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.58%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Community State Bank of Missouri is the 94th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $333.9M, loans fell 0.4% and deposits fell 3.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.3% of total loans, ahead of farmland and other real estate loans at 23.7%. The FDIC Summary of Deposits lists 3 offices for it, in Bowling Green, MO and Troy, MO; its Bowling Green 2 offices book 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community State Bank of Missouri meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 W Church St, Bowling Green, MO 63334
- County
- Pike
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 26, 1887
- Former names
- Community State Bank of Bowling Green (1945-2005)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $296.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $338.1M
- Average total loans
- $235.3M
- Average interest-bearing deposits
- $246.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1936
- Fed RSSD
- 825548
- Website
- www.c-s-b.com →
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 of Missouri reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community State Bank of Missouri's total assets moved between a low of $285.1M (Q3 2023) and a high of $349.1M (Q4 2025) 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
$333.9M total assets against $321.8M; $297.4M total liabilities against $287.2M.
$231.6M net loans and leases against $226.3M; $296.0M total deposits against $285.9M.
$69.6M securities against $60.7M; $19.0M cash and balances due against $21.4M.
$4.3M total interest income against $3.9M; $1.4M total interest expense against $1.5M.
$3.0M net interest income against $2.5M.
$266K total noninterest income against $288K; $1.7M total noninterest expense against $1.6M.
No provision recorded in the last 12 quarters.
$1.6M net income against $1.1M.
1.85% return on assets against 1.40%; 3.72% net interest margin against 3.29%.
11.02% tier 1 leverage ratio against 11.09%.
Inside the full Community State Bank of Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity State Bank of Missouri rankings
Its closest position to the top of a national ranking is 666 of 3,611, for ROA; its furthest is 2,433 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q3 2024) to 1.87% (Q1 2025) and its net interest margin ran from 3.02% (Q4 2024) to 3.72% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.02% | 1.85% | 0.26% | 1.58% | 3.72% |
| Q1 2026 | 10.34% | 1.64% | 0.27% | 1.72% | 3.59% |
| Q4 2025 | 11.28% | 1.85% | 0.26% | 1.58% | 3.64% |
| Q3 2025 | 11.28% | 1.18% | 0.23% | 1.43% | 3.04% |
| Q2 2025 | 11.09% | 1.40% | 0.27% | 1.66% | 3.29% |
| Q1 2025 | 10.87% | 1.87% | 0.21% | 1.31% | 3.04% |
| Q4 2024 | 11.46% | 1.14% | 0.22% | 1.33% | 3.02% |
| Q3 2024 | 11.74% | 1.14% | 0.21% | 1.34% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 of Missouri (main office) | Bowling Green , MO | 63334 | $208.0M |
| Troy Branch | Troy , MO | 63379 | $76.4M |
| Bowling Green Branch | Bowling Green , MO | 63334 | $11.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 115 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Missouri
What are Community State Bank of Missouri's total assets?
As of the Q2 2026 filing, Community State Bank of Missouri reported total assets of $333.9 million in its FFIEC call report.
Where is Community State Bank of Missouri headquartered?
It is headquartered in Bowling Green, MO, United States.
When was Community State Bank of Missouri founded?
It was established in 1887, per the FDIC institution directory.
Is Community State Bank of Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1936). 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 of Missouri?
Community State Bank of Missouri's primary federal regulator is the FDIC.
How many branches does Community State Bank of Missouri operate?
It operates 3 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 of Missouri's Texas Ratio?
Its Texas Ratio is 1.58% 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.
What was Community State Bank of Missouri previously called?
The charter now named Community State Bank of Missouri has also operated as Community State Bank of Bowling Green (1945-2005), per FDIC structure-change records.
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