COMMUNITY STATE BANK: how it compares with its peers
Against 11 AR banks with half to twice its assets, COMMUNITY STATE BANK's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.83% vs. 1.23%).
| Measure | COMMUNITY STATE BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.23% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 4.13% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.37% | 65.94% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.2M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.37% | 76.86% | Context |
What it means for lending operations
Its efficiency ratio of 69.37% is above the 65.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Lake Village Lake Village, AR · $91M
- Riverside Bank Sparkman, AR · $74M
- First Naturalstate Bank Mcgehee, AR · $109M
- Bank of Bearden Bearden, AR · $67M
- Logan County Bank Scranton, AR · $121M
- Connect Bank Star City, AR · $124M
Questions about COMMUNITY STATE BANK
How big is COMMUNITY STATE BANK?
COMMUNITY STATE BANK, established in 1933, is headquartered in Bradley, AR. It reported $90M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is COMMUNITY STATE BANK's return on assets?
0.83% annualized in Q2 2026, against a 1.23% median for 11 AR banks with half to twice its assets, ahead of 18% of them.
What is COMMUNITY STATE BANK's efficiency ratio?
69.37% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 65.94%, and lower is better.
Is COMMUNITY STATE BANK growing its loans?
Net loans grew 20.4% over the year to Q2 2026, while deposits grew 18.1%.
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 AR 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 Arkansas bank ranked.