Total Assets
$349M
Total balance-sheet footings
FDIC Cert #1936 · Bowling Green, Missouri · Est. 1887
Community State Bank of Missouri - FDIC Bank Health Profile
A community-scale look at Community State Bank of Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $349M
- Total assets
- A
- Health grade · Excellent
- 1.57%
- Return on assets
- 11.3%
- Tier 1 capital
Data updated July 2026
The verdict
Community State Bank of Missouri earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.28% Tier 1, profitable at 1.57% ROA, efficient (56% cost ratio).
- #2,285
- largest of 4,313 FDIC banks by assets
- 47th
- percentile by asset size, nationally
- 11.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 77th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Community State Bank of Missouri's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community State Bank of Missouri's composite health score
Tier 1 Capital Ratio (11.28%) 28/40
Return on Assets (ROA) (1.57%) 25/25
Texas Ratio (1.58%) 20/20
Efficiency Ratio (56.03%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$310M
Customer-funded liabilities
Net Loans
$237M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community State Bank of Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community State Bank of Missouri's score of 85/100 falls in the highlighted band.
Community State Bank of Missouri'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 of Missouri's $349M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.28%
Texas Ratio
1.58%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
77th percentile nationally
1.57%
Return on Equity (ROE)
14.56%
Efficiency Ratio
56.03%
What the numbers say about Community State Bank of Missouri
Community State Bank of Missouri is an FDIC-insured institution (Certificate #1936) headquartered in Bowling Green, Missouri, established in 1887. It holds $349M in total assets - 2,285th of 4,313 FDIC-insured banks, $310M in customer deposits, and $237M in net loans. On safety, its Tier 1 capital ratio of 11.28% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.58% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Community State Bank of Missouri ranks 92nd of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community State Bank of Missouri reports a Texas Ratio of 1.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community State Bank of Missouri (FDIC Cert #1936) - 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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Community State Bank of Missouri's health grade?▼
Community State Bank of Missouri receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Community State Bank of Missouri?▼
Community State Bank of Missouri holds $349M in total assets and $310M in deposits, ranking 2,285th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bowling Green, Missouri.
Is my money safe at Community State Bank of Missouri?▼
Yes, deposits at Community State Bank of Missouri (Certificate #1936) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community State Bank of Missouri's Tier 1 Capital Ratio?▼
Community State Bank of Missouri has a Tier 1 Capital Ratio of 11.28%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community State Bank of Missouri?▼
Community State Bank of Missouri has a Texas Ratio of 1.58%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community State Bank of Missouri?▼
Community State Bank of Missouri has an Efficiency Ratio of 56.03%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community State Bank of Missouri's profile as a depositor or analyst.
- Community State Bank of Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community State Bank of Missouri against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.