Community State Bank
Galva, IL · Cert 23257 · Peer group: banks under $1B in assets (n=581-629) · CSB Financial Holdings Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$441.9MAssets
$302.1MLoans
$399.1MDeposits
$41.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 599 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.01%
Rank 319 of 629
Net Interest Margin
3.55%
Rank 306 of 629
Efficiency Ratio
61.95%
Rank 207 of 629
Equity / Assets
9.32%
Rank 447 of 629
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 67% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.60% | 1.01% | 1.45% | Beats 49% | 319 / 629 | |
| Return on Equity | 10.80% | 5.38% | 9.30% | 13.28% | Beats 59% | 258 / 629 | |
| Net Interest Margin | 3.55% | 3.03% | 3.54% | 4.05% | Beats 51% | 306 / 629 | |
| Efficiency Ratio | 61.95% | 58.35% | 67.79% | 79.08% | Beats 67% | 207 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.09% | 0.46% | 1.20% | Beats 20% | 463 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.41% | 11.24% | 13.84% | 18.77% | Beats 5% | 598 / 629 | |
| Total Risk-Based Capital Ratio | 9.41% | 11.58% | 14.43% | 19.66% | Beats 5% | 599 / 629 | |
| Equity / Assets | 9.32% | 9.09% | 10.65% | 13.80% | Beats 29% | 447 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 75.70% | 67.24% | 80.90% | 93.48% | 41st pctl | 351 / 594 | |
| Loans / Assets | 68.37% | 53.31% | 67.71% | 78.15% | 51st pctl | 306 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |