FDIC Cert #23257 · Galva, Illinois · Est. 1980

Community State Bank - FDIC Bank Health Profile

A community-scale look at Community State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$388M
Total assets
B
Health grade · Good
1.40%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

Community State Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.19% Tier 1, profitable at 1.40% ROA, efficient (57% cost ratio).

#2,125
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
10.19%
Tier 1 ratio - above the 10% well-capitalized line
69th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 23257 · IL B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2471/4307
  • PHOTO-FINISH Community Bank and T… · IA
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 7.5% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Community Bank and Trust Company, IA (±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 State Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Commerce · WY · near76/100Bravera Bank · ND · near76/100Community Bank and T… · IA ·…76/100Community State Bank · IL · …76/100People's Bank and Tr… · TN ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community State Bank · July 2026

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

Community State Bank (FDIC Cert #23257) carries a PlainBankData health grade of B at 76/100, 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 #2,471 of 4,307. Tier 1 capital prints at 10.19%, clearing the 10% well-capitalized line. The Texas Ratio is 7.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.40%. Balance-sheet scale is $388M, 2,125th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank and Trust Company (IA), 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 State Bank

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

Community State 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 State 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 State Bank's 76/100 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 avg77/10076/100
Community State Bank's composite health score
Tier 1 Capital Ratio (10.19%) 28/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (7.50%) 16/20
Efficiency Ratio (56.82%) 12/15

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

Balance sheet at a glance

Total Assets

$388M

Total balance-sheet footings

Total Deposits

$346M

Customer-funded liabilities

Net Loans

$277M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.79% 10.19% 11.59%
Basel III capital ratios - Community State Bank

Where Community State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community State Bank's score of 76/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community State 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 State 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 State Bank's $388M falls in the highlighted band.

Capital & credit buffers at Community State Bank

Tier 1 capital ratio
Well-capitalized 10%

10.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.19%
Texas Ratio
7.50%
Equity Capital
$40M

What these ratios mean →

Earnings posture at Community State Bank

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
13.44%
Efficiency Ratio
56.82%

What these mean →

Income & expense at Community State Bank

$21M
Interest Income
$653K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Community State Bank reports a Texas Ratio of 7.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Community State 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 ($388M here), outside Illinois so the neighborhood is not state containment.

Lincoln FSB of Nebraska $388M · NE The Libertyville Savings Bank $388M · IA Fox Valley Savings Bank $388M · WI Volunteer Federal Savings Bank $387M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community State Bank (FDIC Cert #23257) - 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 State 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%