# COMMUNITY STATE BANK
NORWALK, WI · FDIC certificate 15130 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $23.6M | |
| Deposits | $21.7M | |
| Loans and leases | $8.6M | |
| Total equity | $1.8M | |
| Loans / deposits | 38.73% (p11 of band) | 66.54% |
| Liquid assets / assets | 61.17% (p88 of band) | |
| Uninsured deposits / deposits | 3.83% (p10 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.28% (p7 of band) | 10.04% |
| Unrealized securities loss / equity | 0.28% (p22 of band) | 2.48% |
| AOCI / equity | -0.11% (p58 of band) | |
| ROA (annualized) | -0.89% (p4 of band) | 0.72% |
| Net interest margin | 2.17% (p5 of band) | 3.55% |
| Efficiency ratio | 129.75% (p98 of band) | |
| Noncurrent loans | 2.73% (p74 of band) | 1.19% |
| Net charge-offs (annualized) | -0.08% (p6 of band) | |
| Reserve coverage of noncurrent | 88.09% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $127,000 (1.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-12 | 4 | capital falling | reserve under noncurrent |
| 2012-03 | 5 | leverage <7% |  |
| 2012-06 | 3 |  | charge-offs p90, capital falling |
| 2012-09 | 3 | reserve under noncurrent | leverage <7% |
| 2012-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 6 | NIM <2.5% | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-10 [Community State Bank Names Kenosha Native as Market President - Kenosha.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOajJHNklFQkpreE1tTHBfYnlTX0dOa2diWWpEUERXc3V3Nk0xNWUzTXBNbEZFVkJlekFwcFQxazZTNVhEX2RqOFNyaFJGa1FrTG55d01wX0VGQ1hsOVg0RVB5WnpQQklmal9EZ0U3Z095OWxrWllRMWs0a3NnejVPTHNqTlhBY2ZodU5id0pCMVByNVM0LTBTRDNUaEIwX3FFVVpEaS1oZFVMUFRp?oc=5) · Kenosha.com
- 2026-03-13 [The Community State Bank Recognizes Leadership with Promotions at Annual Board Meeting. - okwnews.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVzJQd3BpMy0yT0Y1YzMyMXpJZWdHUGFSUHdnMEtVY0UxN0VxT2xqX0U0OWFnaGpVaWUwQjdsdDloQ29KOEo2M1lCOFFTcGNfaEtVXzBYZ0wxVGt2bmtXQVZBb3FIVk9XNzlHc2JsTElRd3dsN0NST2o4c2lHYXNEN09HUDE2NW9JY0tXLUg2akZvZnNhZUdTUi1MSlVRMmd1VGdKbTI5ZkJVZVgtYlJiU05XZDJRT0U4cGtWXw?oc=5) · okwnews.com
- 2026-07-20 [Community State Bank volunteers return for Racine County Fair; Mega Ride Passes on sale through July 28 - Racine County Eye](https://news.google.com/rss/articles/CBMidkFVX3lxTE9fQjhkTDROZVdSTXYxcE5IQWEybGZzQVdQbzNaVnJPZGhQSUU1UWtUZUFsU3hsLWVQWnFuRk1yR0pFU0wtSzNNd0JjbVVvMldiMW42eGFhNkl3djFQdkZuWDdrQVRVLVF1cmdVbUV5VGFEd3N6a0E?oc=5) · Racine County Eye
- 2025-11-25 [State finds probable cause of religious discrimination towards former Community State Bank employee - biztimes.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPUi1BNmpVZ1MzSkRIcUJVMTFLOFhNbTRZcWdSMzc0aG4xaEV3TVlXQmpUOEZZVTJyb01aUVp1aHBENDZUbTZHblpRTnNFQVFLaUE1MVVNSXVpMTdNTlg3UDQ2WEFNRkthY1NxeHo0RlI4VFcxRDd4RzFfMDZRMEJRWlB1bVp6TmVHcC1faGZzQ0JBWlE5ams3MmNXSEt0UDI4bmQ5VnN5YkJOUHVvek5WVmsxeW9vRzgwaTJTMy1R?oc=5) · biztimes.com
- 2021-07-06 [July 6 - Community State Bank announces leadership change - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQUV9zZHBoZWpqZW9RRGFiSHZoR3NRQ0R2cjZmX1NHR2JFcS1ySmttMlRvdEl1T2ZpS2JKOHBpT2ozOV9xSElmVWU4dlJvYWpCZWtBMF8yNXZ5dGVPaXUzVFZOY2FOMHBDUXI5NWxNajBrZmhCRHh6NGh5elJuR0dPTjA1ODdFMlRP?oc=5) · Fort Wayne Business Weekly
- 2025-09-17 [Community State Bank Names Carolyn Preston Service Award Recipient - Kenosha.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQODllT3lIUGlZOTBSTWpRWWdlWC0zWXM3SnhZZXNtLXpaTFNwZFV6ekFrenQyWXJFVzVmZ1hhWVl5d09WOGpQMVVpMUhib1lPMUhGcDc2VEFjVXFBd2pLV0ZyXzk4OEUzYm5uVEpVUmFpSC11SDZTalBOazBwb0VTMk9sSjVVN1ROa0RnNU43OWRhUmhUUUItR3hJZGJLSDlsdnNfUTJaWjEyLVkzMnFyaGNFVQ?oc=5) · Kenosha.com
- 2021-02-22 [Community State Bank (WI) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxOeEJtR2lrYVliMlJMcmFLMkpaVHNWc1Zta1p6MXpvQWRIaXhFS0NLSEtBZzktYS1yU25yTmJfTmkxbWtlMEtwcjJXcGF3ZE4yYkZUaEdxTmoyNkVSYnpwVHBzcG80SVp3X3BFTTYxRDUyakxEQnpuOHhRMlNhVURld1p6RlVzb1E?oc=5) · SmartAsset
- 2020-07-21 [Wisconsin Bank Paid People to Bring in Coins, Hit Its Goal in 1 Week - Business Insider](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQ0VzSi1waHhHM0IzMGh2Ym05LU5haVFjWDh6YTlnWVpwZUFHbkFEVVJpa0MxVEJNX1dtNHR3ZTlfdEJ6d1JYeGM3a2JGdnA3eVJtUzQ5MHBCNHgtQVBoZTNsbnoteXg0c1M0SGszTEZrczQ5YUtQVHczVERrc21TcHQwOEMxNWhLaXJUR3hkU0NxeDQ1bDdZUC16WVFzbi1Da0FmMUV3?oc=5) · Business Insider

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15130 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "15130", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide