Community State Bank
Bradley, AR · Cert 5619 · Peer group: banks under $1B in assets (n=581-629) · Power Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$89.8MAssets
$78.8MLoans
$76.3MDeposits
$9.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 565 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.80%
Rank 418 of 629
Net Interest Margin
4.14%
Rank 132 of 629
Efficiency Ratio
69.37%
Rank 339 of 629
Equity / Assets
10.18%
Rank 364 of 629
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.60% | 1.01% | 1.45% | Beats 34% | 418 / 629 | | |
| Return on Equity | 7.83% | 5.38% | 9.30% | 13.28% | Beats 39% | 383 / 629 | | |
| Net Interest Margin | 4.14% | 3.03% | 3.54% | 4.05% | Beats 79% | 132 / 629 | | |
| Efficiency Ratio | 69.37% | 58.35% | 67.79% | 79.08% | Beats 46% | 339 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 11.24% | 13.84% | 18.77% | Beats 11% | 560 / 629 | | |
| Total Risk-Based Capital Ratio | 9.98% | 11.58% | 14.43% | 19.66% | Beats 10% | 565 / 629 | | |
| Equity / Assets | 10.18% | 9.09% | 10.65% | 13.80% | Beats 42% | 364 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.29% | 67.24% | 80.90% | 93.48% | 90th pctl | 59 / 594 | | |
| Loans / Assets | 87.78% | 53.31% | 67.71% | 78.15% | 97th pctl | 21 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |