Community State Bank
Total assets
$161.2M
▲ +11.2% YoY
Deposits
$135.1M
▲ +9.4% YoY
Loans
$131.4M
▲ +15.2% YoY
Offices
2
ROA (annualized)
1.08%
peers 1.24%
ROE (annualized)
12.53%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.8 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.4 pts |
| Loan growth (YoY) | +15.2% | +5.6% | +9.6 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 12.5% | 11.9% | +0.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
Profile
- Established
- 1931
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- All Other Under 1 Billion
- Address
- 244 W Main St, Brook, IN, 47922
- County
- Newton
- Metro area
- Chicago-Naperville-Elgin, IL-IN-WI
- Offices
- 2
- FDIC cert #
- 8067
- RSSD ID
- 322449
- 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 | $161.2M | $135.1M | $131.4M | $13.9M | $844K | 1.08% | 3.58% | 0.36% |
| Q1 2026 | $155.0M | $129.5M | $127.9M | $13.5M | $408K | 1.07% | 3.55% | 0.39% |
| Q4 2025 | $150.8M | $126.8M | $127.4M | $13.0M | $1.3M | 0.89% | 3.30% | 0.41% |
| Q3 2025 | $148.0M | $126.0M | $121.3M | $13.0M | $914K | 0.85% | 3.22% | 0.31% |
| Q2 2025 | $145.0M | $123.5M | $114.1M | $12.5M | $561K | 0.79% | 3.17% | 0.34% |
| Q1 2025 | $142.0M | $121.0M | $111.3M | $12.2M | $255K | 0.73% | 3.10% | 0.31% |
| Q4 2024 | $138.7M | $115.9M | $111.4M | $11.8M | $938K | 0.70% | 2.85% | 0.29% |
| Q3 2024 | $139.4M | $116.4M | $114.2M | $12.1M | $717K | 0.72% | 2.83% | 0.29% |
Loan mix (Q2 2026): real estate $113.9M · commercial $8.2M · consumer $1.3M · securities $9.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 28th | |
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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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