# CS BANK
EUREKA SPRINGS, AR · FDIC certificate 5635 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $628.5M | |
| Deposits | $485.5M | |
| Loans and leases | $529.8M | |
| Total equity | $74.8M | |
| Loans / deposits | 107.22% (p95 of band) | 82.04% |
| Liquid assets / assets | 10.14% (p5 of band) | |
| Uninsured deposits / deposits | 22.85% (p39 of band) | 25.97% |
| Brokered deposits | 1.60% | |
| Wholesale funding | 10.85% (p79 of band) | |
| FHLB advances / assets | 9.26% | |
| Tier 1 leverage | 11.97% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -2.84% (p74 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.09% (p89 of band) | 1.28% |
| Net interest margin | 4.94% (p93 of band) | 3.91% |
| Efficiency ratio | 57.42% (p38 of band) | |
| Noncurrent loans | 1.37% (p81 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 127.36% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 65.07% (p68 of band) | |
| Auto loans | $4.1M (0.78% of loans; DQ 1.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 109 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 2 | capital falling | noncurrent p90 |
| 2015-12 | 4 | noncurrent p90, charge-offs p90 |  |
| 2016-03 | 1 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | wholesale funding >15% |  |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 0 |  | construction >100% equity, capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | loans exceed deposits |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, charge-offs p90 |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | loans exceed deposits, charge-offs p90 |
| 2025-03 | 1 | loans exceed deposits |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-08-31 [CS Bank of Eureka Springs Expands to a New Market - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxPTEFGb05QNE5vNC1CX2FaaVpKc0U3RTRVMTJ5VGZWZW5JV3RaVTdISWw2LXVOd3l2TExFbGdsMnBON0Z6N1FoLXdzaThvRU1QNmFvLUVNSnpLSG10X2h4YXJPNmpkc0JKWlhELW5POVZuSHptSzBVd0lPV0pmN2U5dXl0UUZaSXVMV1pLcUVqRzRKNXZZSGN1MlA2ZGFRdERON1lsTkp3?oc=5) · Arkansas Business
- 2026-06-01 [Fintechs and Stablecoins Are Competing for Arkansas Bank Deposits - Arkansas Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxNMkJhbnFKdWZVcjF2cFFuZUE4WXh5bTBNOHNMLUNXeWhMdkVhaF81UmpuQThTeEcwYkF1Ymc0ZERZaVRlU0lEV2h5QWUybmZBYThfd3lHSjEyRWk2bk5iRlk4cVBxQ2Jld1I2a09ieXJYRkxGcHJQcW1UUzFjaGJsaTQwbFpvTFcyd0JoMXV5UmZNTUYtVTlfSWM4Yw?oc=5) · Arkansas Business
- 2024-01-17 [CS Bank announces personnel moves - Talk Business & Politics](https://news.google.com/rss/articles/CBMidkFVX3lxTE8xSmVFS1JlLWpoQ3Y1WC1Ka3Q0NzFSZ2J2ZEdFcklCWmRxdVRGdm1ld2N0XzZWMS1sQWlCSnFkaXY1ZHNacGptc0dhbXpubUY1SzFjV1JKZHQzNkptTEpIV1FrY3VBcDRlbzB2eU1OR0tsOVo3SUE?oc=5) · Talk Business & Politics
- 2024-07-17 [AMP Future Icons 2024: Mickey Belle Shields-Manley, CS Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOVW5yZkhfX1Z5alNBOFBIaElaV0xFd1ZiX2t2Tl9vOURFUEk1cDBDNjRsalAzM0Y4MGFWYlRJeUw0SFk2UDY5d3dkZTVjNl82dHZaLUF1UC1nMy05aUw3bFpOVGNudGwxWm5IaFBldUZSZm1iUmZkQjBYbUg5MkRDdFJFZXZ1U2xH?oc=5) · Arkansas Money & Politics
- 2026-07-06 [Banking Leader Voices Mixed View on Razorback Stadium Naming Deal - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxOa2x5YTE4djZQX1RYRlhiNzEzTExTeXRic0JkNnZkVFpJMzhIT0ZLb1dVMGZyRlRoZUFpN1F5WUFoS09Gd0JBY1RBVzJyeDd2TzJUWlRwMW50NlhpbHJZaFZTek9vZWtncWxuV1NwOUdNMGhLU2ZKUlh1amZKeVRhbTFQRWtfUTNObC1ySXQ3VUpjRW42bTRxQmZlZTRjajVjR094NW80elUyWmVFZXBRdDhn?oc=5) · Arkansas Business
- 2023-10-17 [Marty Riley appointed to CS Bank Governing Board of Directors - Cassville Democrat](https://news.google.com/rss/articles/CBMirAFBVV95cUxPOTVGekxyR1pnU0xGZGJMSVdlcWxnMVVWWUF4Vm1vR1YtRFR5eEk1M3lsQ0tYZk5mandRZXJEV2FvZ3VVcmExa3VzOGRMZ3Qyd3VSaWNCVE1iNEh3UF9iVkRUQzVGNVlCSVdNdjBoNHhzNUpjdUJQcVNhVTlFbHhvcGx6NHVjWjVOZGJoc3JRbHVlZkNWcktna0FjOVBHNjkzV3JheHE4VGJsYzFL?oc=5) · Cassville Democrat
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money & Politics
- 2020-09-20 [Cornerstone Bank plans name change - Talk Business & Politics](https://news.google.com/rss/articles/CBMid0FVX3lxTE0tR25xQ2oxckpsRGw3OTc0SWZxMWVjNExSdTBnMTJ5MFJ5eXoxYmtGR000TzMxY21yT19iZG5qMGNDNjdJY0pSenNfMXN3QU5lcjlxQXl1SHpCemMwUExPSUNHd2c3T2xFUWQ4REtmN1Z6LVhTQjRv?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5635 (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/3.json (key "5635", 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