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
Main office and branches. Select to view on the map.
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| Name | Address | City / State |
|---|---|---|
| Community State Bank (Main) | 802 E Albion St | Avilla, IN |
| 506 EAST NORTH BRANCH | 506 E North St | Kendallville, IN |
| 115 SOUTH MAIN STREET BRANCH | 115 South Main Street | Albion, IN |
| AUBURN BRANCH | 708 W 7th St | Auburn, IN |
| FW LIMA BRANCH | 11255 Twin Creeks Dr | Fort 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
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/19/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46710 |
| State and County Number | 18113 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Kendallville, IN |
Operational Info
| Number of Employees | 78 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/20/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csbbankonline.bank |
| Data Updated | 01/30/2026 |
| CERT | 14883 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/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 Margin | 3.75% |
| Efficiency Ratio | 62.23% |
| Tier 1 Risk-Based Capital Ratio | 13.474% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.415% |
| Earning Assets to total Assets | 96.1% |
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.