Community State Bank
Royal Center, IN
IDRSSD: 987848
Total Assets
$173.12M
Latest filing
Total Deposits
$157.73M
Latest filing
Net Interest Margin
3.11%
Profitability
Key People
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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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 1839 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $173.12M |
| Total Deposits | $157.73M |
| Total Liabilities | $158.95M |
| Total Equity Capital | $14.17M |
| Net Income | $181.00k |
| Net Loans and Leases | $85.92M |
| Assets Per Employee ($Millions) | $5.77M |
| Bank Premises and Fixed Assets | $1.65M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $157.73M |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 5.14% |
| Net Interest Margin | 3.11% |
| Efficiency Ratio | 86.14% |
| Tier 1 Risk-Based Capital Ratio | 17.455% |
| 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 | 8.186% |
| Earning Assets to total Assets | 92.48% |
Income and Expense
| Total Interest Income | $1.81M |
| Total Noninterest Income | $205.00k |
| Total Interest Expense | $578.00k |
| Total Noninterest Expense | $1.24M |
| Net Interest Income | $1.23M |
| Pre-tax Net Operating Income | $199.00k |
| Provision for Credit Losses | $0 |
| 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 | $10.81M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.22M |
| Total Liabilities and Capital | $173.12M |
Securities
| Securities | $62.03M |
| Available-for-sale debt securities | $59.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community State Bank?
$173.12M as of the latest filing.
How much are Community State Bank's total deposits?
$157.73M in total deposits.
Where is Community State Bank located?
Royal Center, IN.
What is the Net Interest Margin?
3.11%.
How many domestic offices does it operate?
4.
When was it established?
05/22/1930.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$85.92M (latest filing).
What is the total interest income (latest filing)?
$1.81M.