# COMMUNITY STATE BANK
UNION GROVE, WI · FDIC certificate 9536 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $667.5M | |
| Deposits | $621.3M | |
| Loans and leases | $369.4M | |
| Total equity | $40.7M | |
| Loans / deposits | 58.58% (p11 of band) | 82.04% |
| Liquid assets / assets | 40.86% (p84 of band) | |
| Uninsured deposits / deposits | 30.65% (p68 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.62% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -61.21% (p3 of band) | -8.10% |
| AOCI / equity | -1.61% (p12 of band) | |
| ROA (annualized) | 1.39% (p57 of band) | 1.28% |
| Net interest margin | 3.89% (p49 of band) | 3.91% |
| Efficiency ratio | 65.68% (p63 of band) | |
| Noncurrent loans | 0.28% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 540.78% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 79.85% (p77 of band) | |
| Auto loans | $240,000 (0.06% of loans; DQ 0.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 87 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 3 | capital falling, charge-offs p90 |  |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2014-09 | 4 | losing money |  |
| 2014-12 | 5 | uninsured deposits leaving |  |
| 2015-03 | 4 |  | losing money |
| 2015-06 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | noncurrent p90 |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | construction >100% equity | capital falling |
| 2022-09 | 4 | charge-offs p90 |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | charge-offs p90, deposits shrinking |  |
| 2023-12 | 3 |  | deposits shrinking |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 3 | deposits shrinking |  |
| 2024-09 | 1 |  | construction >100% equity, deposits shrinking |
| 2024-12 | 2 | construction >100% equity |  |
| 2025-03 | 3 | capital falling, charge-offs p90 | construction >100% equity |
| 2025-06 | 1 |  | capital falling, charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## 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 - Milwaukee Business News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPUi1BNmpVZ1MzSkRIcUJVMTFLOFhNbTRZcWdSMzc0aG4xaEV3TVlXQmpUOEZZVTJyb01aUVp1aHBENDZUbTZHblpRTnNFQVFLaUE1MVVNSXVpMTdNTlg3UDQ2WEFNRkthY1NxeHo0RlI4VFcxRDd4RzFfMDZRMEJRWlB1bVp6TmVHcC1faGZzQ0JBWlE5ams3MmNXSEt0UDI4bmQ5VnN5YkJOUHVvek5WVmsxeW9vRzgwaTJTMy1R?oc=5) · BizTimes - Milwaukee Business News
- 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 - businessinsider.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQ0VzSi1waHhHM0IzMGh2Ym05LU5haVFjWDh6YTlnWVpwZUFHbkFEVVJpa0MxVEJNX1dtNHR3ZTlfdEJ6d1JYeGM3a2JGdnA3eVJtUzQ5MHBCNHgtQVBoZTNsbnoteXg0c1M0SGszTEZrczQ5YUtQVHczVERrc21TcHQwOEMxNWhLaXJUR3hkU0NxeDQ1bDdZUC16WVFzbi1Da0FmMUV3?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9536 (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/0.json (key "9536", 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