B
Community State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Community State Bank
Royal Center, IN
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Rating B
Asset Quality Index 7.20
Capitalization Index 8.90
Liquidity Index 3.90
Profitability Index 3.30
Stability Index 4.60
Company Info Community State Bank
Royal Center, IN
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FDIC Number 1839
Phone Number (574) 643-9555
Website www.csbnetbank.com
Asset Quality Community State Bank
Royal Center, IN
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1-Year Asset Growth -2.16%
5-Year Asset Growth 8.19%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 4.65%
Non-Performing Loans to Loans 0.59%
Balance Sheet Community State Bank
Royal Center, IN
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Total Assets 168.39M
Total Deposits 153.25M
Capital and Reserves Community State Bank
Royal Center, IN
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Capital 13.98M
Leverage Ratio 10.29
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio 18.72
Liquidity Community State Bank
Royal Center, IN
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Hot Money Ratio 9.88%
Liquidity Ratio 37.86%
Profitability Community State Bank
Royal Center, IN
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5-Year Return on Average Assets 0.61%
Net Income 747.00K
Net Interest Spread 3.24%
Operating Profit to Average Assets 0.65%
Overhead Efficiency Ratio 79.77%
Return on Assets 0.58%
Return on Equity 7.98%