COMMUNITY STATE BANK
Total assets
$89.8M
▲ +22.0% YoY
Deposits
$76.3M
▲ +18.1% YoY
Loans
$78.1M
▲ +20.4% YoY
Offices
2
POWER BANCSHARES INC
ROA (annualized)
0.83%
peers 0.99%
ROE (annualized)
7.91%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | COMMUNITY STATE BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.9% | +3.0% | +18.9 pts |
| Deposit growth (YoY) | +18.1% | +2.5% | +15.6 pts |
| Loan growth (YoY) | +20.4% | +2.6% | +17.7 pts |
| ROA | 0.83% | 0.99% | -0.2 pts |
| ROE | 7.9% | 8.1% | -0.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
Profile
- Established
- 1933
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- POWER BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 208 W 4th St, Bradley, AR, 71826
- County
- Lafayette
- Offices
- 2
- FDIC cert #
- 5619
- RSSD ID
- 378044
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.8M | $76.3M | $78.1M | $9.1M | $358K | 0.83% | 4.47% | 0.00% |
| Q1 2026 | $88.7M | $79.3M | $76.3M | $9.0M | $135K | 0.64% | 4.35% | 0.00% |
| Q4 2025 | $81.1M | $71.9M | $71.9M | $9.0M | $508K | 0.70% | 4.70% | 0.00% |
| Q3 2025 | $78.8M | $69.6M | $66.4M | $8.8M | $300K | 0.57% | 4.66% | 0.08% |
| Q2 2025 | $73.6M | $64.6M | $64.9M | $8.7M | $146K | 0.43% | 4.65% | 0.25% |
| Q1 2025 | $68.5M | $59.7M | $57.4M | $8.6M | $30K | 0.19% | 4.35% | 0.52% |
| Q4 2024 | $61.0M | $52.2M | $50.4M | $8.7M | $170K | 0.35% | 4.67% | 0.17% |
| Q3 2024 | $55.6M | $46.9M | $43.3M | $8.6M | $122K | 0.35% | 4.58% | 0.19% |
Loan mix (Q2 2026): real estate $53.9M · commercial $22.0M · consumer $2.3M · securities $376K
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | COMMUNITY STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.99% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 8.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.88% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 70.8% | 47th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | COMMUNITY STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | COMMUNITY STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | COMMUNITY STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | COMMUNITY STATE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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