PackageTrendsPeer
Letter portraitLegal landscape

Community State Bank

Brook, IN · Cert 8067 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

State charter, non-member · FDIC · 2 branches

Q2 2026

$161.2MAssets
$132.8MLoans
$135.1MDeposits
$13.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 12 of 57).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 57 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.05%

Rank 26 of 57

Net Interest Margin

3.27%

Rank 38 of 57

Efficiency Ratio

55.56%

Rank 12 of 57

Equity / Assets

8.64%

Rank 49 of 57

Non-interest income vs. expense

$0.3M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 81% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 55.56%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.05%0.51%0.84%1.19%Beats 54%26 / 57
Return on Equity12.13%3.13%7.76%11.40%Beats 79%12 / 57
Net Interest Margin3.27%3.16%3.63%4.08%Beats 33%38 / 57
Efficiency Ratio55.56%59.57%69.70%81.06%Beats 81%12 / 57
Asset Quality
Nonperforming Loans / Loans0.44%0.06%0.34%1.78%Beats 46%31 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 43%33 / 56
Capital
Tier 1 Capital Ratio9.41%12.24%16.06%19.69%Beats 0%57 / 57
Total Risk-Based Capital Ratio9.41%12.54%16.50%20.95%Beats 0%57 / 57
Equity / Assets8.64%9.37%11.56%15.00%Beats 14%49 / 57
Liquidity & Funding
Loans / Deposits98.29%66.29%85.59%95.16%84th pctl9 / 57
Loans / Assets82.36%57.07%71.07%78.13%86th pctl8 / 57
Brokered Deposits / Depositsn/aNot reported for this institution