Community State Bank: how it compares with its peers
Against 81 MO banks with half to twice its assets, Community State Bank's strongest measure in Q2 2026 is efficiency ratio (37.85% vs. a 62.22% peer median). Its weakest relative measure is net interest margin (3.83% vs. 4.02%).
| Measure | Community State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.78% | 1.24% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 4.02% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.85% | 62.22% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $5.9M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.51% | 77.09% | Context |
What it means for lending operations
Its efficiency ratio of 37.85% is better than the 62.22% 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
- Community Bank of Pleasant Hill Pleasant Hill, MO · $133M
- County Bank Brunswick, MO · $134M
- Home Savings and Loan Association of Carroll County, F.A. Norborne, MO · $131M
- State Bank of Missouri Concordia, MO · $134M
- Preferred Bank Rothville, MO · $134M
- Chillicothe State Bank Chillicothe, MO · $135M
Questions about Community State Bank
How big is Community State Bank?
Community State Bank, established in 1977, is headquartered in Shelbina, MO. It reported $133M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community State Bank's return on assets?
1.78% annualized in Q2 2026, against a 1.24% median for 81 MO banks with half to twice its assets, ahead of 70% of them.
What is Community State Bank's efficiency ratio?
37.85% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 62.22%, and lower is better.
Is Community State Bank growing its loans?
Net loans grew 16.3% over the year to Q2 2026, while deposits grew 8.1%.
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 MO 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 Missouri bank ranked.