FDIC Cert #9536 · Union Grove, Wisconsin · Est. 1903

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.
$639M
Total assets
C
Health grade · Fair
1.17%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

Community State Bank earns a PlainBankData health grade of C (62/100), with 9.73% Tier 1 capital, profitable at 1.17% ROA, 70% efficiency ratio.

#1,489
largest of 4,313 FDIC banks by assets
66th
percentile by asset size, nationally
9.73%
Tier 1 ratio - below the 10% well-capitalized line
55th
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.

FDIC Call Report plate

Cert 9536 · WI C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3643/4307
  • PHOTO-FINISH The Union Bank · ND
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: The Union Bank, ND (±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 Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Kilmichael · MS · ne…62/100Community State Bank · WI · …62/100First State Bank · OK · near62/100Fredonia Valley Bank · KY · …62/100The Union Bank · ND · near62/100Tioga-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 #9536) carries a PlainBankData health grade of C at 62/100, 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 #3,643 of 4,307. Tier 1 capital prints at 9.73%, missing the 10% well-capitalized line. The Texas Ratio is 1.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $639M, 1,489th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Union Bank (ND), 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

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Community State Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Community State Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

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

How Community State Bank's 62/100 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 avg77/10062/100
Community State Bank's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (1.30%) 20/20
Efficiency Ratio (70.35%) 4/15

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

Balance sheet at a glance

Total Assets

$639M

Total balance-sheet footings

Total Deposits

$594M

Customer-funded liabilities

Net Loans

$329M

Outstanding loan book

Net Income

$7M

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.) 8.33% 9.73% 11.13%
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 62/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% 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%). This entry sits in this band. 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 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 $639M falls in the highlighted band.

Capital & credit buffers at Community State Bank

Tier 1 capital ratio
Well-capitalized 10%

9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.73%
Texas Ratio
1.30%
Equity Capital
$40M

What these ratios mean →

Earnings posture at Community State Bank

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
21.06%
Efficiency Ratio
70.35%

What these mean →

Income & expense at Community State Bank

$27M
Interest Income
$3M
Non-Interest Income
$17M
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 1.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.30% - 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 Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($639M here), outside Wisconsin so the neighborhood is not state containment.

The Bank of Tescott $639M · KS Verimore Bank $639M · MO Farmers & Merchants Bank of Colby $640M · KS The Hometown Bank of Alabama $639M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community State Bank (FDIC Cert #9536) - 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 · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%