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Community State Bank
Avilla, IN · FDIC Certificate #14883 · Chartered 02/1
Total assets
$553.57M
Total deposits
$502.30M
Total equity
$49.31M
Net loans
$394.21M
Branches (offices)
5
Net income (YTD)
$2.76M
Rank: #1,659 of 4,213 U.S. banks by assets · #38 of 87 in Indiana. Assets changed 10.9% and deposits 11.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 11.37% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 8.91% |
| Tier 1 leverage ratio | 9.51% |
| Uninsured deposits (share of deposits) | 44.5% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $314.15M | 79.7% | |
| Commercial & industrial | $69.60M | 17.7% | |
| Consumer / individual | $4.39M | 1.1% | |
| Construction & development | $25.73M | 6.5% | |
| Agricultural | $8.35M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $397.80M | $365.10M | $2.23M | $31.88M |
| Jun 2023 | $458.58M | $400.35M | $2.73M | $35.00M |
| Jun 2024 | $507.30M | $442.04M | $2.84M | $41.84M |
| Jun 2025 | $499.19M | $452.17M | $2.73M | $45.37M |
| Jun 2026 | $553.57M | $502.30M | $2.76M | $49.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $502.30M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $502.30M.
Similar-sized banks
First Federal Savings Bank ($553.58M) · The National Bank Of Middlebury ($553.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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