Total Assets
$173M
Total balance-sheet footings
FDIC Cert #1839 · Royal Center, Indiana · Est. 1930
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.
- $173M
- Total assets
- B
- Health grade · Good
- 0.53%
- Return on assets
- 17.5%
- Tier 1 capital
Data updated July 2026
The verdict
Community State Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 17.45% Tier 1, 0.53% ROA, 81% efficiency ratio.
- #3,195
- largest of 4,313 FDIC banks by assets
- 26th
- percentile by asset size, nationally
- 17.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Community State Bank's 70/100 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's composite health score
Tier 1 Capital Ratio (17.45%) 40/40
Return on Assets (ROA) (0.53%) 14/25
Texas Ratio (5.46%) 16/20
Efficiency Ratio (81.39%) 0/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$158M
Customer-funded liabilities
Net Loans
$86M
Outstanding loan book
Net Income
$928K
Bottom-line earnings
Capital adequacy vs federal thresholds
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 70/100 falls in the highlighted band.
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 $173M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.45%
Texas Ratio
5.46%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.53%
Return on Equity (ROE)
7.22%
Efficiency Ratio
81.39%
What the numbers say about Community State Bank
Community State Bank is an FDIC-insured institution (Certificate #1839) headquartered in Royal Center, Indiana, established in 1930. It holds $173M in total assets - 3,195th of 4,313 FDIC-insured banks, $158M in customer deposits, and $86M in net loans. Looking at capital strength, Tier 1 stands at 17.45%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.46%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), 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 Indiana, Community State Bank ranks 74th of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$7M
Interest Income
$826K
Non-Interest Income
$5M
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 5.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community State Bank (FDIC Cert #1839) - 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 Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Community State Bank's health grade?▼
Community State Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community State Bank?▼
Community State Bank holds $173M in total assets and $158M in deposits, ranking 3,195th of 4,313 FDIC-insured banks by asset size. It is headquartered in Royal Center, Indiana.
Is my money safe at Community State Bank?▼
Yes, deposits at Community State Bank (Certificate #1839) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community State Bank's Tier 1 Capital Ratio?▼
Community State Bank has a Tier 1 Capital Ratio of 17.45%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community State Bank?▼
Community State Bank has a Texas Ratio of 5.46%. 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?▼
Community State Bank has an Efficiency Ratio of 81.39%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community State Bank's profile as a depositor or analyst.
- Community State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community State Bank against other Indiana banks before moving funds. Indiana 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.