Advertisement
Community State Bank
Royal Center, IN · FDIC Certificate #1839 · Chartered 05/2
Total assets
$175.89M
Total deposits
$160.59M
Total equity
$14.16M
Net loans
$94.79M
Branches (offices)
4
Net income (YTD)
$538.00K
Rank: #3,138 of 4,213 U.S. banks by assets · #73 of 87 in Indiana. Assets changed 1.9% and deposits 1.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.62% |
| Return on equity | 7.55% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 8.05% |
| Tier 1 leverage ratio | 10.48% |
| Uninsured deposits (share of deposits) | 25.4% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.36% |
| Loans to deposits | 59.0% |
| Real estate loans (share of loans) | 58.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.05M | 58.1% | |
| Commercial & industrial | $7.18M | 7.6% | |
| Consumer / individual | $6.15M | 6.5% | |
| Construction & development | $1.30M | 1.4% | |
| Agricultural | $16.28M | 17.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $172.02M | $161.42M | $476.00K | $9.74M |
| Jun 2023 | $169.87M | $158.50M | $727.00K | $10.31M |
| Jun 2024 | $176.30M | $162.90M | $337.00K | $11.08M |
| Jun 2025 | $172.59M | $158.93M | $484.00K | $12.46M |
| Jun 2026 | $175.89M | $160.59M | $538.00K | $14.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $160.59M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $160.59M.
Similar-sized banks
First National Bank And Trust Co. Of Bottineau ($175.93M) · Jackson County Bank ($175.87M)
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.
Advertisement