Community State Bank: how it compares with its peers
Against 43 IN banks with half to twice its assets, Community State Bank's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $6.5M peer median). Its weakest relative measure is return on assets (1.00% vs. 1.13%).
| Measure | Community State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 1.13% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.72% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.07% | 63.43% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.5M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.48% | 81.85% | Context |
What it means for lending operations
Its efficiency ratio of 61.07% is better than the 63.43% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Federal Savings Bank Huntington, IN · $554M
- The Friendship State Bank Friendship, IN · $544M
- First Federal Savings Bank Evansville, IN · $576M
- Freedom Bank Huntingburg, IN · $586M
- The Peoples State Bank Ellettsville, IN · $507M
- The Napoleon State Bank Napoleon, IN · $499M
Questions about Community State Bank
How big is Community State Bank?
Community State Bank, established in 1931, is headquartered in Avilla, IN. It reported $554M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Community State Bank's return on assets?
1.00% annualized in Q2 2026, against a 1.13% median for 43 IN banks with half to twice its assets, ahead of 30% of them.
What is Community State Bank's efficiency ratio?
61.07% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 63.43%, and lower is better.
Is Community State Bank growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 11.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.