Community State Bank
Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 10.5. A current level of 1.9 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 26.9 percent and a “hot money” ratio of 10.2 percent.
Asset Mix:
Securities (33%), home mtgs (14%), comm loans (4%), consumer loans (4%), cash (3%), comm re (1%), home eq lns (1%), other (40%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Community Bancorp
Investment Rating
--
Address
101 North Chicago Street
Royal Center, IN 46978
Royal Center, IN 46978
Phone Number
(574) 643-9555
Year Founded
1930
FDIC Number
Website
Largest Affiliates
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