FDIC Cert #28841 · Chicago, Illinois · Est. 1925

Community Savings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$409M
Total assets
C
Health grade · Fair
-0.48%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Community Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.49% Tier 1, -0.48% ROA, 128% efficiency ratio.

#2,054
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
13.49%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 28841 · IL C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4028/4307
  • PHOTO-FINISH Ascendia Bank · NJ
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-LOSS -0.48% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Ascendia Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community Savings Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Argentine Federal Sa… · KS ·…55/100Ascendia Bank · NJ · near55/100Community Savings Bank · IL …55/100Haddon Savings Bank · NJ · n…55/100Olympia Federal Savi… · WA ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Savings Bank · July 2026

Call Report read for Community Savings Bank in a high-failure state

Community Savings Bank (FDIC Cert #28841) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,028 of 4,307. Tier 1 capital prints at 13.49%, clearing the 10% well-capitalized line. The Texas Ratio is 0.95%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.48%. Balance-sheet scale is $409M, 2,054th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ascendia Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community Savings Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Community Savings Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Community Savings Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Community Savings Bank's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Community Savings Bank's composite health score
Tier 1 Capital Ratio (13.49%) 35/40
Return on Assets (ROA) (-0.48%) 0/25
Texas Ratio (0.95%) 20/20
Efficiency Ratio (128.16%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$409M

Total balance-sheet footings

Total Deposits

$361M

Customer-funded liabilities

Net Loans

$226M

Outstanding loan book

Net Income

$-1,989K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.09% 13.49% 14.89%
Basel III capital ratios - Community Savings Bank

Where Community Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Savings Bank's score of 55/100 falls in the highlighted band.

Community Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Community Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Savings Bank's $409M falls in the highlighted band.

Capital & credit buffers at Community Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

13.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.49%
Texas Ratio
0.95%
Equity Capital
$48M

What these ratios mean →

Profitability metrics: Community Savings Bank

Return on Assets (ROA)
3rd percentile nationally
-0.48%
Return on Equity (ROE)
-4.24%
Efficiency Ratio
128.16%

What these mean →

Income & expense: loss period at Community Savings Bank

$15M
Interest Income
$504K
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Savings Bank reports a Texas Ratio of 0.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Community Savings Bank

Community Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,989K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Community Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Community Savings Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($409M here), outside Illinois so the neighborhood is not state containment.

Balboa Thrift and Loan Association $410M · CA The First National Bank of Elmer $409M · NJ North Valley Bank $409M · OH The Bank of Brodhead $409M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Savings Bank (FDIC Cert #28841) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Community Savings Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%