# COMMUNITY STATE BANK
GALVA, IL · FDIC certificate 23257 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $441.9M | |
| Deposits | $399.1M | |
| Loans and leases | $302.1M | |
| Total equity | $41.2M | |
| Loans / deposits | 74.60% (p34 of band) | 82.04% |
| Liquid assets / assets | 29.00% (p62 of band) | |
| Uninsured deposits / deposits | 5.31% (p1 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.41% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -15.20% (p31 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 1.30% (p51 of band) | 1.28% |
| Net interest margin | 3.84% (p46 of band) | 3.91% |
| Efficiency ratio | 61.08% (p50 of band) | |
| Noncurrent loans | 1.38% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 104.99% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 114.47% (p91 of band) | |
| Auto loans | $1.8M (0.59% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 20.3% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | charge-offs p90 |  |
| 2011-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2011-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2012-03 | 0 |  | charge-offs p90 |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | brokered >10% |  |
| 2017-03 | 4 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | brokered >10% |
| 2018-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2018-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | charge-offs p90 |  |
| 2020-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | noncurrent p90 |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling, charge-offs p90 | securities losses >30% of equity |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | noncurrent p90, reserve under noncurrent, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2024-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 3 | capital falling, uninsured deposits leaving |  |

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

- 2025-09-17 [Visiting Community State Bank - WPTA | 21Alive | Fort Wayne, IN](https://news.google.com/rss/articles/CBMieEFVX3lxTE80c2pUTVJfTHVBZHZ6OF9OeEUwd0RncVlCREY3aloxcE5OVHkzcmJhWlVKQll1RVotckRNMFA1LU1MalJaR0JEdHNLbUV2VXFBckg4eHVYMkhwdDVsdW9Ma05Ia1pxM3BvME9tMDc1YzZvWFBxc1ZnRtIBjAFBVV95cUxNNzktdk5Wb2c0UXhlNmZzYlRZS2FqbjZaNkpVNTNWYmJLTndMbFVseDh2X1dFT3dPRXJkbHg2ay1Zd2JWNmpGaDhEZFZLLUMzRHJsREZYc2p4bFc0V1lvNmhBY3BHLTJwSGhuUHUyLVdoeXRuR2VDNGxlS05NRm56Yk82RmFfYl9sdW9kOQ?oc=5) · WPTA | 21Alive | Fort Wayne, IN
- 2025-10-16 [Deal Spotlight: Citizens Bancshares, Inc. Agrees to be Acquired by CSB Financial Holdings Inc. - Hinshaw & Culbertson LLP](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQeFIwWWo3UTRkMDV6dTJxVmpIZnJTOW9ZT2dSX1Z5QXFaSVdPeERGZHppMWdrQ3JFdzZOSzhIYnNuTFVWVkFjWDBZSU9IRlR3SFB1TkNic2J6Y0NiaVJHMUp3bHBuSmxOS2FsbnkwMk5sTGZ0TGkyTnl3MjhEREdKWDNOWllCNVd3N1Q1aW0tZjFsWXU2Zlo1VGVLTFNNWHBITXFGQ0xTZ19udjFrVy12ZEZBVGlZTl9MNjFfSDRPZFpFMkFnZGt6R2dmVWNNbFk5VkVBS0NNdHNsOXM?oc=5) · Hinshaw & Culbertson LLP
- 2025-12-20 [America250PA bell unveiled - huntingdondailynews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPUWdUUUw1NzVHQm9Sc0lhSzFEVlpTZ1hndlBpbno5SVZBLVdFb0Rjc2VKWjFEdTh0NzE5cG9CZXBQYjVka3p1X1RveDkyNGZnMGJ3bmZSZlRaZXNXTmxPVWFhbE00RU5TYkdRa2FOd3VJWEhod1d3MjhPcVhpOWdfVnExSHRrNjVmczFQM2d0WkZnS25tY1ZGYUdCSW9mODBiOGQ5ejlNU3gwaDB5LVMyR2JwWkVGOUpGRGFHNURRX0s?oc=5) · huntingdondailynews.com
- 2022-01-28 [Galva's Community State Bank expands with First State Bank acquisition - Kewanee Star Courier](https://news.google.com/rss/articles/CBMixAFBVV95cUxPS2s3QmFaaGdmNzI1d2s2U1pWOUFrS2ZheGZGOTR3OVFjbEY1X1dtQV9yenlYeS1DM3lhaUJyVmVCTk5HSGVWT3o1M3RUbHNDYmQ0MkFKYldrTjl3aExCNEZ4bUdQcnM0cUhhZ21rSEFKOWxOcFY0c0E5MFF6XzQ3OWhQZEpNXzNFT2ZmdFZPU3o2RDVWVnBqTEtrM2pnd29aTlE0LXVDalcxbURhZG5GTThhVnZncnMwN3NTaVBwWGJsRnM5?oc=5) · Kewanee Star Courier
- 2025-09-22 [Community State Bank in Rock Falls celebrating 50 years - Shaw Local](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPOWpQSDQ3Nm9RX0dsSnZRN19mblBIQ0hvdU1PZlU5VlBIVVBlWWNHX3RFUXJTRDRjVDZNWk9TLVZuNjVGQldYVWJ0bVlyd3NwcnZxUmZkb0JZUElKbC1ZUl90ZnNLT3RwbFg1WlRxSHZUMkpyMTBEaGNocGdjYmJrNTVkVWh6aWVYTzZTZlZfd285ZE4zMllXZk0yQkhzZjVSTTZNM29nMlg?oc=5) · Shaw Local
- 2018-10-04 [Community State Bank announces leadership changes - Geneseo Republic](https://news.google.com/rss/articles/CBMiswFBVV95cUxQNXdETC1DMTU3ZC1kMGxkSjJkLTZHdTNZcnZZWml4MWZNOFJhVzJJS2xsZDZ4aVZXODIyTzk4a3U1VHRQOVJNLVBFMWcyRnlqSWVENjc2b0p3dkZoM0ZBVnhMOGJPVjkyODM4NGp4N295X09jRGtOcjVoZUdiYmRuUmRyTGZfaWhMOW9GLWNjTU9ZV3JaZWRYazJMZm5JeVZSSDFwdmkwU3VPUG0zNUp4YWVEcw?oc=5) · Geneseo Republic
- 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
- 2020-10-06 [Acquisition under the radar: Credit unions resume community bank deals - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdFJIU2s2VXVKRzd2V05DTlhlRXE3ckJHaVczTkNWdGFFOFRpWW00Q3NrSXdGcUZBSzltUEhISlkydExIaGNZTFBWVW96cFZqaFpoaXQxeE8ydFJsMWZJYUJRSGEzWFVtTnVFbXlwSTdZV3JyT0ROTEdqbloxeWxrWDJTNHBmaVlOTTlhdGwtZWY?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23257 (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/25.json (key "23257", 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