CS Bank
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Data as of · sourced from FFIEC call reports. How we update
CS Bank is an FDIC-insured commercial bank headquartered in Eureka Springs, AR, established in 1912 (FDIC certificate 5635), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $628.5M, up 5.8% from Q2 2025, the 33rd largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.97% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5635
- Headquarters
- Eureka Springs, AR
- Established
- 1912
- Total assets, Q2 2026
- $628.5M
- Assets vs Q2 2025
- +5.8%
- Tier 1 leverage ratio, Q2 2026
- 11.97%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 082904726
- Holding company
- EUREKA BANCSHARES, INC.
- Asset rank in state
- 33rd of 78 in Arkansas
Problem loans are rising at CS Bank. Based in Eureka Springs, Arkansas, it had $628 million in assets at June 30, 2026, up 5.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.17% of loans from 0.64% a year earlier. It keeps 4.90 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $2.16 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Loans are outrunning deposits: over the year loans rose 9.4% and deposits rose 3.6%. Funding is the softer spot: it pays an average of 2.37% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, CS Bank reported a return on assets of 2.16%, a nonperforming-loan ratio of 1.37% and a Texas ratio of 7.70%. The figures come from its call report filed with the FFIEC.
CS Bank ranks as the 33rd largest of the 78 banks based in Arkansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $628.5M, loans rose 2.5% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.8% of total loans, ahead of farmland and other real estate loans at 17.3%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Eureka Springs 2 offices book 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, CS Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 70 S Main St, Eureka Springs, AR 72632
- County
- Carroll
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1912
- Former names
- Cornerstone Bank (2008-2020); Bank of Eureka Springs (2008)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $485.5M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $314K
- Average total assets
- $624.9M
- Average total loans
- $525.9M
- Average interest-bearing deposits
- $407.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5635
- Fed RSSD
- 514048
- Website
- WWW.CS.BANK →
- Parent Holding Company
- EUREKA BANCSHARES, INC. (RSSD 2941769)
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, CS Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
CS Bank's total assets moved between a low of $529.2M (Q3 2023) and a high of $628.5M (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
$628.5M total assets against $593.8M; $553.7M total liabilities against $526.9M.
$520.6M net loans and leases against $475.8M; $485.5M total deposits against $468.5M.
$35.9M securities against $36.1M; $27.8M cash and balances due against $42.8M.
$10.2M total interest income against $9.9M; $3.1M total interest expense against $3.3M.
$7.1M net interest income against $6.7M.
$1.5M total noninterest income against $1.4M; $4.9M total noninterest expense against $4.5M.
$300K provision for credit losses against $450K.
$3.4M net income against $3.1M.
2.16% return on assets against 2.10%; 4.90% net interest margin against 4.81%.
11.97% tier 1 leverage ratio against 11.18%.
Inside the full CS 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
CS Bank rankings
Its closest position to the top of a national ranking is 339 of 3,611, for ROA; its furthest is 1,474 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.93% (Q3 2024) to 2.77% (Q3 2025) and its net interest margin ran from 4.54% (Q3 2024) to 4.92% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 2.16% | 1.37% | 7.70% | 4.90% |
| Q1 2026 | 11.88% | 2.02% | 1.28% | 8.34% | 4.77% |
| Q4 2025 | 11.68% | 2.19% | 0.89% | 5.85% | 4.83% |
| Q3 2025 | 11.63% | 2.77% | 0.58% | 3.65% | 4.92% |
| Q2 2025 | 11.18% | 2.10% | 0.64% | 4.22% | 4.81% |
| Q1 2025 | 10.97% | 1.97% | 0.69% | 4.98% | 4.61% |
| Q4 2024 | 10.90% | 2.24% | 0.68% | 4.64% | 4.66% |
| Q3 2024 | 10.88% | 1.93% | 0.79% | 5.56% | 4.54% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Financial Center | Eureka Springs , AR | 72632 | $187.7M |
| Berryville Branch | Berryville , AR | 72616 | $79.3M |
| Harrison Branch | Harrison , AR | 72601 | $61.6M |
| Holiday Island Branch | Holiday Island , AR | 72631 | $57.7M |
| Huntsville Branch | Huntsville , AR | 72740 | $57.3M |
| Cs Bank Branch | Cassville , MO | 65625 | $37.4M |
| Harrison South Branch | Harrison , AR | 72601 | $4.5M |
| CS Bank (main office) | Eureka Springs , AR | 72632 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it. These actions name the parent holding company, EUREKA BANCSHARES, INC., not the bank itself
- Period: Most recent action December 12, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in AR, rank 45 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 252 applications, 219 loans originated, $43.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $73K approved, $73K 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
- 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 CS Bank
What are CS Bank's total assets?
As of the Q2 2026 filing, CS Bank reported total assets of $628.5 million in its FFIEC call report.
Where is CS Bank headquartered?
It is headquartered in Eureka Springs, AR, United States.
When was CS Bank founded?
It was established in 1912, per the FDIC institution directory.
Is CS Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5635). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CS Bank?
CS Bank's primary federal regulator is the Federal Reserve.
How many branches does CS Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CS Bank's Texas Ratio?
Its Texas Ratio is 7.70% 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 CS Bank previously called?
The charter now named CS Bank has also operated as Cornerstone Bank (2008-2020), Bank of Eureka Springs (2008), per FDIC structure-change records.
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