Community State Bank: how it compares with its peers
Against 21 IN banks with half to twice its assets, Community State Bank's strongest measure in Q2 2026 is assets per employee ($13.4M vs. a $5.9M peer median). Its weakest relative measure is net interest margin (3.58% vs. 3.65%).
| Measure | Community State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 0.85% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.58% | 3.65% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.56% | 72.95% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $5.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.30% | 78.55% | Context |
What it means for lending operations
Its efficiency ratio of 55.56% is better than the 72.95% 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
- First State Bank of Porter Porter, IN · $162M
- First Federal Savings and Loan Association of Greensburg Greensburg, IN · $159M
- Community State Bank Royal Center, IN · $176M
- LNB Community Bank Lynnville, IN · $181M
- First Federal Savings Bank of Angola Angola, IN · $137M
- The Home National Bank of Thorntown Thorntown, IN · $186M
Questions about Community State Bank
How big is Community State Bank?
Community State Bank, established in 1931, is headquartered in Brook, IN. It reported $161M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community State Bank's return on assets?
1.08% annualized in Q2 2026, against a 0.85% median for 21 IN banks with half to twice its assets, ahead of 62% of them.
What is Community State Bank's efficiency ratio?
55.56% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 72.95%, and lower is better.
Is Community State Bank growing its loans?
Net loans grew 15.2% over the year to Q2 2026, while deposits grew 9.4%.
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.