Community State Bank
Royal Center, IN
IDRSSD: 987848
Total Assets
$168.39M
Latest filing
Total Deposits
$153.25M
Latest filing
Net Interest Margin
3.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community State Bank
101 N Chicago St
Royal Center, IN 46978
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/22/1930FDIC Certificate 1225
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Community State Bank (Main) | 101 N Chicago St | Royal Center, IN |
| TWELVE MILE BRANCH | 8070 E State Road 16 | Twelve Mile, IN |
| KEWANNA BRANCH | 221 E Main St | Kewanna, IN |
| WALTON BRANCH | 504 N Main St | Walton, IN |
Showing 3 of 3
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/22/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46978 |
| State and County Number | 18017 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Logansport, IN |
Operational Info
| Number of Employees | 32 |
| Domestic Offices | 4 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csbnetbank.com |
| Data Updated | 11/14/2025 |
| CERT | 1839 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $168.39M |
| Total Deposits | $153.25M |
| Total Liabilities | $154.42M |
| Total Equity Capital | $13.98M |
| Net Income | $263.00k |
| Net Loans and Leases | $86.40M |
| Assets Per Employee ($Millions) | $5.26M |
| Bank Premises and Fixed Assets | $1.65M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $153.25M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 7.96% |
| Net Interest Margin | 3.12% |
| Efficiency Ratio | 79.6% |
| Tier 1 Risk-Based Capital Ratio | 17.485% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.301% |
| Earning Assets to total Assets | 93.27% |
Income and Expense
| Total Interest Income | $1.83M |
| Total Noninterest Income | $219.00k |
| Total Interest Expense | $587.00k |
| Total Noninterest Expense | $1.16M |
| Net Interest Income | $1.24M |
| Pre-tax Net Operating Income | $298.00k |
| Provision for Credit Losses | $0 |
| 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 | $4.99M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.17M |
| Total Liabilities and Capital | $168.39M |
Securities
| Securities | $64.20M |
| Available-for-sale debt securities | $60.41M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.79M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community State Bank?
$168.39M as of the latest filing.
How much are Community State Bank's total deposits?
$153.25M in total deposits.
Where is Community State Bank located?
Royal Center, IN.
What is the Net Interest Margin?
3.12%.
How many domestic offices does it operate?
4.
When was it established?
05/22/1930.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$86.40M (latest filing).
What is the total interest income (latest filing)?
$1.83M.