Community State Bank of Missouri: 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 Reserve coverage of non-performing loans: 12.51 percentage points higher than in Q1 2026, at 282.92%. Within Missouri, Community State Bank of Missouri is 55th of 192 on return on assets, 1.85% as of Q2 2026, above the middle of the field. Community State Bank of Missouri reported 1.85% on return on assets for Q2 2026, 0.60 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.02% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.58% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 282.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 17.51% |
| Net interest margin | 3.72% |
| Efficiency ratio | 51.74% |
| Yield on earning assets | 5.42% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.80% |
| Core deposits to total deposits | 87.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.66% |
| Securities to assets | 20.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.89% | 1.07% | 3.11% | 1.44% | -0.01% |
| Q4 2023 | 11.83% | 1.10% | 3.19% | 1.31% | 0.00% |
| Q1 2024 | 11.07% | 1.20% | 3.16% | 1.19% | 0.00% |
| Q2 2024 | 11.51% | 1.96% | 3.99% | 0.34% | 0.00% |
| Q3 2024 | 11.74% | 1.14% | 3.13% | 0.21% | 0.01% |
| Q4 2024 | 11.46% | 1.14% | 3.02% | 0.22% | 0.00% |
| Q1 2025 | 10.87% | 1.87% | 3.04% | 0.21% | 0.00% |
| Q2 2025 | 11.09% | 1.40% | 3.29% | 0.27% | -0.00% |
| Q3 2025 | 11.28% | 1.18% | 3.04% | 0.23% | -0.00% |
| Q4 2025 | 11.28% | 1.85% | 3.64% | 0.26% | 0.10% |
| Q1 2026 | 10.34% | 1.64% | 3.59% | 0.27% | 0.00% |
| Q2 2026 | 11.02% | 1.85% | 3.72% | 0.26% | 0.00% |
Community State Bank of Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank of Missouri, 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 of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1936) · FFIEC NIC profile (RSSD 825548)