CS Bank
Eureka Springs, AR
IDRSSD: 514048
Total Assets
$614.16M
Latest filing
Total Deposits
$474.83M
Latest filing
Net Interest Margin
4.95%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
082904726EUREKA SPRINGS, AR
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
CS Bank
70 S Main St
Eureka Springs, AR 72632
Limited Service - Administrative
Updated 01/30/2026Established 05/01/1912FDIC Certificate 3840
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CS Bank (Main) | 70 S Main St | Eureka Springs, AR |
| FINANCIAL CENTER | 152 E Van Buren | Eureka Springs, AR |
| HOLIDAY ISLAND BRANCH | 1 Parkwood Dr | Holiday Island, AR |
| BERRYVILLE BRANCH | 907 W Trimble Ave | Berryville, AR |
| HUNTSVILLE BRANCH | 270 Curtis Hutchins Way | Huntsville, AR |
| HARRISON BRANCH | 1426 Highway 65 North | Harrison, AR |
| CS BANK BRANCH | 18565 State Highway 37 | Cassville, MO |
| HARRISON SOUTH BRANCH | 310 N Olive St | Harrison, AR |
Showing 7 of 7
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 | 05/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72632 |
| State and County Number | 05015 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 107 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/10/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cs.bank |
| Data Updated | 01/30/2026 |
| CERT | 5635 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $614.16M |
| Total Deposits | $474.83M |
| Total Liabilities | $542.29M |
| Total Equity Capital | $71.87M |
| Net Income | $3.37M |
| Net Loans and Leases | $494.53M |
| Assets Per Employee ($Millions) | $5.74M |
| Bank Premises and Fixed Assets | $25.41M |
| Cash and Balances due from Depository Institutions | $40.08M |
| Deposits Held in Domestic Offices | $474.83M |
Key Performance Ratios
| Return on Assets (ROA) | 2.2% |
| Return on Equity (ROE) | 19% |
| Net Interest Margin | 4.95% |
| Efficiency Ratio | 53.89% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.703% |
| Earning Assets to total Assets | 90.57% |
Income and Expense
| Total Interest Income | $10.14M |
| Total Noninterest Income | $1.40M |
| Total Interest Expense | $3.27M |
| Total Noninterest Expense | $4.46M |
| Net Interest Income | $6.87M |
| Pre-tax Net Operating Income | $3.37M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $267.00k |
| Other borrowed funds | $58.91M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.55M |
| Total Liabilities and Capital | $614.16M |
Securities
| Securities | $36.08M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $36.08M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CS Bank?
$614.16M as of the latest filing.
How much are CS Bank's total deposits?
$474.83M in total deposits.
Where is CS Bank located?
Eureka Springs, AR.
What is the Net Interest Margin?
4.95%.
How many domestic offices does it operate?
7.
When was it established?
05/01/1912.
What is the Return on Assets (ROA)?
2.2%.
How much are total loans and leases?
$494.53M (latest filing).
What is the total interest income (latest filing)?
$10.14M.