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Community State Bank

Avilla, IN
IDRSSD: 502746
Total Assets
$528.80M
Latest filing
Total Deposits
$479.95M
Latest filing
Net Interest Margin
3.81%
Profitability
0

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

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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 Employees75
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 Updated11/14/2025
CERT14883
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$528.80M
Total Deposits$479.95M
Total Liabilities$481.92M
Total Equity Capital$46.88M
Net Income$1.24M
Net Loans and Leases$388.11M
Assets Per Employee ($Millions)$6.78M
Bank Premises and Fixed Assets$8.00M
Cash and Balances due from Depository Institutions$90.33M
Deposits Held in Domestic Offices$479.95M

Key Performance Ratios

Return on Assets (ROA)0.96%
Return on Equity (ROE)10.74%
Net Interest Margin3.81%
Efficiency Ratio65.76%
Tier 1 Risk-Based Capital Ratio12.882%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.1%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.866%
Earning Assets to total Assets95.59%

Income and Expense

Total Interest Income$7.18M
Total Noninterest Income$460.00k
Total Interest Expense$2.51M
Total Noninterest Expense$3.37M
Net Interest Income$4.67M
Pre-tax Net Operating Income$1.63M
Provision for Credit Losses$131.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$1.97M
Total Liabilities and Capital$528.80M

Securities

Securities$31.59M
Available-for-sale debt securities$31.59M
Equity securities with readily determinable fair values not held for trading$0
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?
$528.80M as of the latest filing.
How much are Community State Bank's total deposits?
$479.95M in total deposits.
Where is Community State Bank located?
Avilla, IN.
What is the Net Interest Margin?
3.81%.
How many domestic offices does it operate?
5.
When was it established?
02/19/1931.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$388.11M (latest filing).
What is the total interest income (latest filing)?
$7.18M.