# COMMUNITY STATE BANK
SAINT CHARLES, MI · FDIC certificate 15868 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $193.2M | |
| Deposits | $170.3M | |
| Loans and leases | $92.2M | |
| Total equity | $22.4M | |
| Loans / deposits | 53.16% (p19 of band) | 75.30% |
| Liquid assets / assets | 47.61% (p78 of band) | |
| Uninsured deposits / deposits | 6.86% (p17 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.85% (p32 of band) | 10.87% |
| Unrealized securities loss / equity | 4.59% (p78 of band) | 1.65% |
| AOCI / equity | 2.13% (p78 of band) | |
| ROA (annualized) | 0.54% (p27 of band) | 0.88% |
| Net interest margin | 3.50% (p41 of band) | 3.67% |
| Efficiency ratio | 74.01% (p55 of band) | |
| Noncurrent loans | 2.55% (p86 of band) | 0.69% |
| Net charge-offs (annualized) | -0.05% (p7 of band) | |
| Reserve coverage of noncurrent | 70.64% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 11.83% (p43 of band) | |
| Auto loans | $1.2M (1.28% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 1 |  | leverage <7% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | noncurrent p90 |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 1 | reserve under noncurrent |  |

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

- 2023-01-29 [Five Community State Bank employees receive promotions - Kenosha.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQcjI5NTBZamk1b0NGN0lJRkJoQXEtbUpONHNqQkVpUUFqNUZJWUtHNzU4MDVmR05LeXFjOTcwOFhYNDlSVmdWNjdiNmZYVlBNU0Q4eWtpcWhDX0RkSVlocm1mbnlxbjJodHN5SXRMcGZmdkNOVTJVUXQ1YUx5azlJR1Ffb3UySy03TnpsdXBraUJOT1RJRjMzRmwzT19IdFFaVmk0SGxB?oc=5) · Kenosha.com
- 2024-10-11 [18th Annual Community Bankers Symposium - Chicago - Federal Reserve Bank](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRmNSTVVIU19FZk5OTFJ6NDA4Q1B3MDg1WFhuQlZYTVB6R1VLaXFkUDVhMkhXcERfTlhhZWpXbHRZcVpiLWVKUXl3QnkzNlNNUjdiMk1qc2FSYWpDZ2RuVngtbV9INTFURWthdXAwMW5sR25fMkhwLTVheWpNbWVic1Q3YXQ?oc=5) · Chicago - Federal Reserve Bank
- 2025-12-08 [Ann M. Wilkins Obituary (2025) - Litchfield, MI - Eagle Funeral Home - Jonesville Chapel - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTFBieXltS0prR3d4aVRQSkN5cUoxWHhJYTducU1FWFRzWWtsTFpSS1VHOHhPTEp3WGxDUUJjRndPM2N0N1lHVVFLRVlvSlFtTVpTT25vRlJiUHNKV1VINXRlel9MRWt2bTB3RnZqUHRaRzBWb3NvbGJkeXRlcEwyRGc?oc=5) · Legacy obituary
- 2023-08-01 [Stuart Lubow | Dime Community Bank - Long Island Business News](https://news.google.com/rss/articles/CBMibkFVX3lxTE9TeVJLR3kwbWtrWjVacDliRHV0aFRzd0swYzNBTWxwVkdEU3VoSGNaM2hjMkFrbHNTRHh5VmZBVmJaOW1EY29vWUpIRGJCSkMxMDhVdlE4YTJTNGRlcVdudkdibXBwa1liUUgxZmF3?oc=5) · Long Island Business News
- 2024-06-23 [Katie Weis Joins Community State Bank as Human Resources Director - Kenosha.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQV2VKbGxOdGhwSERUa2h5NDBFWDR5NkVnVmNuanR2eElOejY0Z2pfS0N3ZERJT2FKRkZLY0pHU2ZYQU1rTzg3bmRRREg4MGNJQ2NXNmVWa1hTQ2dySlY0T1ozR2xVQzBSX1BKOWVjdXlPOFpJYnlSWjJ3SGp6Q0Rvb1MzQ1ZPNHBlSUcxaW9yd2MwZFFoaW9OVnpyd1o?oc=5) · Kenosha.com
- 2021-07-04 [State Bank of Faribault celebrates 100 years - southernminn.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQblczQ2ZtNjdqQmNqMnhoejV0UG9YVnZSUEwwczRGSVhKcmhEQ3d0NGNJbzNvekVZd3BJb2ZhcC03NTZXMmVMQjJkeHJVeGgtRmhacldUbzFJZmZyYUZ1a2lRTEFEX0lDcGFJLTFYc1ZoVnhfak94bmotNXNfdnlCdlJyTTBwQ2wtYlZNbFNWa3VBS1laTzZfbnc4OG5KS1cza1hCSEtBUGozSFAzVm9jVEVsNGkzaVZMSEVTTGZMUU9LV2tBOXZja0N6UWFSeXNiZHhZbEcwY0h6NHdvOW8zN2JyWXhOMmJQ?oc=5) · southernminn.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Iowa - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdDNERG9UY2kxckVvZnQwUlVpcHY4VXdGc2Q4a1RhOXNncGF5ZmZfNGFwVm5ZMGt1N2VXZGttYmZzZWluNVo5X1dQb29Jd3ExRFJGQUkydjhjWU5fUThfQktxRWxIZ1hQZXFFMmY5VXNNTkJIR2R6cThpekloYVQ5R0VZYVpYdWVPNFE?oc=5) · Newsweek Rankings
- 2022-07-11 [Community State Bank breaks ground on new Waterford location - Kenosha News](https://news.google.com/rss/articles/CBMifkFVX3lxTE5XS010amJCSE94VHdjYnQ4QmlENG92cDB4Z29CRkRxczVLLUZmVEkyUjFOWUtOcm5DVk1pMEpvOUNGSk9SZW1BblpDcGd3S2MwRzBOWDRydUd0dDF2RmdsamczZHl2dmUtajJITVF6WUJEcFpTbVZlS0NYNXRjZw?oc=5) · Kenosha News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15868 (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/60.json (key "15868", 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