Community State Bank: how it compares with its peers
Against 125 IL banks with half to twice its assets, Community State Bank's strongest measure in Q2 2026 is net interest margin (3.84% vs. a 3.69% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $7.1M).
| Measure | Community State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.19% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.84% | 3.69% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.08% | 62.95% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.1M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.60% | 77.47% | Context |
What it means for lending operations
Its efficiency ratio of 61.08% is better than the 62.95% 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
- Grand Ridge National Bank Wheaton, IL · $443M
- The City National Bank of Metropolis Metropolis, IL · $444M
- Better Banks Peoria, IL · $446M
- Eureka Savings Bank La Salle, IL · $436M
- Citizens State Bank Lena, IL · $453M
- First Federal Savings Bank Ottawa, IL · $422M
Questions about Community State Bank
How big is Community State Bank?
Community State Bank, established in 1980, is headquartered in Galva, IL. It reported $442M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Community State Bank's return on assets?
1.30% annualized in Q2 2026, against a 1.19% median for 125 IL banks with half to twice its assets, ahead of 58% of them.
What is Community State Bank's efficiency ratio?
61.08% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 62.95%, and lower is better.
Is Community State Bank growing its loans?
Net loans grew 15.3% over the year to Q2 2026, while deposits grew 20.3%.
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 IL 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 Illinois bank ranked.