# COMMUNITY STATE BANK
ROYAL CENTER, IN · FDIC certificate 1839 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $175.9M | |
| Deposits | $160.6M | |
| Loans and leases | $95.8M | |
| Total equity | $14.2M | |
| Loans / deposits | 59.03% (p29 of band) | 73.59% |
| Liquid assets / assets | 41.26% (p65 of band) | |
| Uninsured deposits / deposits | 25.36% (p69 of band) | 19.81% |
| Brokered deposits | 3.98% | |
| Wholesale funding | 3.98% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.48% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -35.85% (p11 of band) | -6.57% |
| AOCI / equity | -1.39% (p20 of band) | |
| ROA (annualized) | 0.62% (p22 of band) | 1.17% |
| Net interest margin | 3.07% (p14 of band) | 3.93% |
| Efficiency ratio | 78.89% (p77 of band) | |
| Noncurrent loans | 0.37% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.19% (p92 of band) | |
| Reserve coverage of noncurrent | 297.48% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 9.19% (p37 of band) | |
| Auto loans | $5.1M (5.27% of loans; DQ 1.44%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-09 | 1 |  | charge-offs p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | expense ratio p90 |  |
| 2018-09 | 1 |  | expense ratio p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | deposits shrinking |  |
| 2026-03 | 3 | charge-offs p90 |  |
| 2026-06 | 2 |  | deposits shrinking |

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

- 2026-08-27 [Harrison Barnes Stops By His Newly Purchased Community State Bank in Paton on Wednesday - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYlFjeGFPUWFtWWd2MDVXX05reU1wQzJ5eFlEcUh5UUxXRUN3QUlZNEdIUTlEd2dqQ0RBM0RNeF9HV1EwTmthZm9pUndjX0xYMVg0ZVo2SjdZWllfTTZUdTJDcy1pajFIODBPc2l1V09hQlhxRVVUaWhXbk51M3BwY0l0aGZLYzFDbzVTTlMzNUZ4OUhkQ3ZELXZXVlBCOWJrNy1sakdjZjQtQWJnY0xNdTNrZkR3czdmTHhHR1JsbHBKZDNvanNPcUZCbTdGNzQ?oc=5) · raccoonvalleyradio.com
- 2026-09-01 [NBA player Harrison Barnes invests $25 million to become owner of Iowa community bank - Yahoo Sports](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUmg3SktucHZCcjJlZU42NV9fNFBHam5tQWQ2YVVxelFaUjBsZVMxTlJmWDh0UlUyeC16TUE3ay14REI5RFhGU1U2ejdGcFhyMkVzNThQekNFVXd0aHo5d044aFBMSkJmdzFNR0R6N0ZsRXpxbUxvYzFyN253THpMQ0lMVWNDdEM1aGln?oc=5) · Yahoo Sports
- 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
- 2026-09-01 [Why San Antonio Spurs forward Harrison Barnes bought an Iowa bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeWRHaUl5YmhxLVNRMHhNNFJCLVBZdG0yU0V0TzJqdEc5ZzhjQmE0LXVNOGh4TXVjVnZNWHhPRzBnZFpQOGJlM1VJWUt5T1lQblFKdDdzOVRUaWl6ZjluUDBzemZQRXl4N3N1am9kd2tQSG1KamljeVZJMF9IaWZWSU9wbkZ3Y0lKU0ZNemhZSmM1S214ZGJxd0h4MXJxVEcwdHNQbkRXeGVmM0xsaTBB?oc=5) · San Antonio Express-News
- 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
- 2026-06-02 [SUU and SBSU Announce Landmark 15-Year Sponsorship - Southern Utah University](https://news.google.com/rss/articles/CBMigAFBVV95cUxONmRuWWszYktPSFQ0aG5tcmo2Tjg5NW5LTWk0NEd4TUNnczh6azBHMXllR3dtSkkydGRpZGZYNGstZ05pNi0yTms1NUx4SGQyX3hQTlpaNGQ0clM4Y1pITXV2TDdJV0d6UjhrUVlvcVBWcUlodHpSbXZycWdaM0xjRg?oc=5) · Southern Utah University
- 2025-11-25 [State finds probable cause of religious discrimination towards former Community State Bank employee - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPUi1BNmpVZ1MzSkRIcUJVMTFLOFhNbTRZcWdSMzc0aG4xaEV3TVlXQmpUOEZZVTJyb01aUVp1aHBENDZUbTZHblpRTnNFQVFLaUE1MVVNSXVpMTdNTlg3UDQ2WEFNRkthY1NxeHo0RlI4VFcxRDd4RzFfMDZRMEJRWlB1bVp6TmVHcC1faGZzQ0JBWlE5ams3MmNXSEt0UDI4bmQ5VnN5YkJOUHVvek5WVmsxeW9vRzgwaTJTMy1R?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1839 (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/47.json (key "1839", 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