Community State Bank: how it compares with its peers
Against 67 WI banks with half to twice its assets, Community State Bank's strongest measure in Q2 2026 is net interest margin (3.89% vs. a 3.79% peer median). Its weakest relative measure is efficiency ratio (65.68% vs. 58.61%).
| Measure | Community State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.39% | 1.39% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.79% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.68% | 58.61% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.6M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.58% | 89.10% | Context |
What it means for lending operations
Its efficiency ratio of 65.68% is above the 58.61% 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
- AbbyBank Abbotsford, WI · $662M
- The Stephenson National Bank and Trust Marinette, WI · $677M
- Citizens State Bank of La Crosse La Crosse, WI · $649M
- Community First Bank Boscobel, WI · $634M
- Bank of Luxemburg Luxemburg, WI · $723M
- Northwestern Bank Chippewa Falls, WI · $726M
Questions about Community State Bank
How big is Community State Bank?
Community State Bank, established in 1903, is headquartered in Union Grove, WI. It reported $667M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Community State Bank's return on assets?
1.39% annualized in Q2 2026, against a 1.39% median for 67 WI banks with half to twice its assets, ahead of 52% of them.
What is Community State Bank's efficiency ratio?
65.68% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 58.61%, and lower is better.
Is Community State Bank growing its loans?
Net loans grew 9.3% over the year to Q2 2026, while deposits grew 7.9%.
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 WI 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 Wisconsin bank ranked.