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Community State Bank
Galva, IL · FDIC Certificate #23257 · Chartered 11/2
Total assets
$441.88M
Total deposits
$399.08M
Total equity
$41.17M
Net loans
$297.72M
Branches (offices)
9
Net income (YTD)
$2.67M
Rank: #1,941 of 4,213 U.S. banks by assets · #114 of 322 in Illinois. Assets changed 18.6% and deposits 20.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 13.13% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 9.32% |
| Tier 1 leverage ratio | 9.41% |
| Uninsured deposits (share of deposits) | 5.3% |
| Noncurrent loans (share of loans) | 1.38% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 74.6% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $252.32M | 84.7% | |
| Commercial & industrial | $35.56M | 11.9% | |
| Consumer / individual | $2.92M | 1.0% | |
| Construction & development | $47.13M | 15.8% | |
| Agricultural | $8.49M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $267.77M | $235.43M | $1.94M | $28.17M |
| Jun 2023 | $340.57M | $306.91M | $1.95M | $32.42M |
| Jun 2024 | $357.86M | $321.85M | $1.87M | $34.60M |
| Jun 2025 | $372.68M | $331.75M | $2.82M | $38.93M |
| Jun 2026 | $441.88M | $399.08M | $2.67M | $41.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $396.46M | 8 |
| Alabama | $2.62M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $399.08M.
Similar-sized banks
The Citizens State Bank ($442.40M) · Jones Bank ($441.17M)
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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