Community State Bank
Royal Center, IN · Cert 1839 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
$175.9MAssets
$95.8MLoans
$160.6MDeposits
$14.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 73% of banks under $1B in assets operating in a single state (rank 205 of 746).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets operating in a single state (rank 675 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.61%
Rank 604 of 746
Net Interest Margin
2.95%
Rank 624 of 746
Efficiency Ratio
78.89%
Rank 604 of 746
Equity / Assets
8.05%
Rank 644 of 746
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 19% 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 | 0.61% | 0.72% | 1.06% | 1.45% | Beats 19% | 604 / 746 | |
| Return on Equity | 7.60% | 6.74% | 10.51% | 13.63% | Beats 31% | 515 / 746 | |
| Net Interest Margin | 2.95% | 3.17% | 3.68% | 4.16% | Beats 16% | 624 / 746 | |
| Efficiency Ratio | 78.89% | 55.74% | 64.58% | 75.47% | Beats 19% | 604 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 54% | 341 / 743 | |
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.01% | 0.05% | Beats 9% | 675 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.81% | 11.55% | 13.75% | 17.60% | Beats 71% | 213 / 746 | |
| Total Risk-Based Capital Ratio | 17.83% | 11.71% | 14.33% | 18.43% | Beats 73% | 205 / 746 | |
| Equity / Assets | 8.05% | 8.90% | 10.51% | 13.06% | Beats 14% | 644 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 59.69% | 61.31% | 78.27% | 90.78% | 21st pctl | 586 / 746 | |
| Loans / Assets | 54.49% | 53.60% | 66.97% | 76.08% | 26th pctl | 553 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |