Community State Bank

Avilla, IN
IDRSSD: 502746
Total Assets
$572.35M
Latest filing
Total Deposits
$522.69M
Latest filing
Net Interest Margin
3.75%
Profitability

Key People

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Locations

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Main Office
Community State Bank
802 E Albion St
Avilla, IN 46710
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/19/1931FDIC Certificate 9319

Branches (4)

Page 1 of 1
NameAddressCity / State
Community State Bank (Main)802 E Albion StAvilla, IN
506 EAST NORTH BRANCH506 E North StKendallville, IN
115 SOUTH MAIN STREET BRANCH115 South Main StreetAlbion, IN
AUBURN BRANCH708 W 7th StAuburn, IN
FW LIMA BRANCH11255 Twin Creeks DrFort Wayne, IN
Showing 4 of 4

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date02/19/1931
Community BankYes
Ownership TypeNot Mutual
ZIP46710
State and County Number18113
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameKendallville, IN

Operational Info

Number of Employees78
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance11/20/1934
Primary Insurance AgencyDIF
Websitewww.csbbankonline.bank
Data Updated01/30/2026
CERT14883
Office of The Comptroller District:
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$572.35M
Total Deposits$522.69M
Total Liabilities$524.19M
Total Equity Capital$48.16M
Net Income$1.34M
Net Loans and Leases$381.92M
Assets Per Employee ($Millions)$7.53M
Bank Premises and Fixed Assets$8.00M
Cash and Balances due from Depository Institutions$138.79M
Deposits Held in Domestic Offices$522.69M

Key Performance Ratios

Return on Assets (ROA)0.97%
Return on Equity (ROE)11.25%
Net Interest Margin3.75%
Efficiency Ratio62.23%
Tier 1 Risk-Based Capital Ratio13.474%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.22%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.415%
Earning Assets to total Assets96.1%

Income and Expense

Total Interest Income$7.76M
Total Noninterest Income$505.00k
Total Interest Expense$2.81M
Total Noninterest Expense$3.39M
Net Interest Income$4.94M
Pre-tax Net Operating Income$1.76M
Provision for Credit Losses$300.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.50M
Total Liabilities and Capital$572.35M

Securities

Securities$32.80M
Available-for-sale debt securities$32.80M
Equity securities with readily determinable fair values not held for trading
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Community State Bank?
$572.35M as of the latest filing.
How much are Community State Bank's total deposits?
$522.69M in total deposits.
Where is Community State Bank located?
Avilla, IN.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
5.
When was it established?
02/19/1931.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$381.92M (latest filing).
What is the total interest income (latest filing)?
$7.76M.