Community State Bank
Avilla, IN · Cert 14883 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
$553.6MAssets
$399.2MLoans
$502.3MDeposits
$49.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 67% of banks under $1B in assets operating in a single state (rank 251 of 743).
- Widest gap: equity / assets trails 75% of banks under $1B in assets operating in a single state (rank 558 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.00%
Rank 408 of 746
Net Interest Margin
3.48%
Rank 459 of 746
Efficiency Ratio
61.06%
Rank 298 of 746
Equity / Assets
8.91%
Rank 558 of 746
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.72% | 1.06% | 1.45% | Beats 45% | 408 / 746 | |
| Return on Equity | 11.18% | 6.74% | 10.51% | 13.63% | Beats 57% | 322 / 746 | |
| Net Interest Margin | 3.48% | 3.17% | 3.68% | 4.16% | Beats 38% | 459 / 746 | |
| Efficiency Ratio | 61.06% | 55.74% | 64.58% | 75.47% | Beats 60% | 298 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.42% | 1.07% | Beats 47% | 393 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 251 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.34% | 11.55% | 13.75% | 17.60% | Beats 45% | 409 / 746 | |
| Total Risk-Based Capital Ratio | 14.59% | 11.71% | 14.33% | 18.43% | Beats 51% | 365 / 746 | |
| Equity / Assets | 8.91% | 8.90% | 10.51% | 13.06% | Beats 25% | 558 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 79.48% | 61.31% | 78.27% | 90.78% | 52nd pctl | 356 / 746 | |
| Loans / Assets | 72.12% | 53.60% | 66.97% | 76.08% | 63rd pctl | 275 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |