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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Brook, IN · FDIC certificate #8067
COMMUNITY STATE BANK is an FDIC-insured institution based in Brook, IN (FDIC certificate #8067). In its Q3 2026 Call Report it reported total assets of $164M, total deposits of $138M and net loans of $135M. Its primary federal regulator is FDIC.
Plain-language readout
COMMUNITY STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $164M in Q3 2026 and were lowest at $155M in Q1 2026.
Total deposits were highest at $138M in Q3 2026 and lowest at $130M in Q1 2026.
Over the whole period total assets rose 5.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $164M | $138M | $135M | 1.14% | 13.14% | 3.57% |
| Q2 2026 | $161M | $135M | $131M | 1.08% | 12.53% | 3.58% |
| Q1 2026 | $155M | $130M | $128M | 1.07% | 12.32% | 3.55% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.3M | $1.9M | +$3.4M | +178.1% |
| Federal funds sold | $7.5M | $8.3M | -$830K | -10.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $9.3M | $9.3M | +$9K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $740K | -$740K | -100.0% |
| Net loans and leases (after allowance) | $131.4M | $127.2M | +$4.2M | +3.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.1M | $5.1M | -$49K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $107K | $117K | -$10K | -8.5% |
| All other assets | $2.6M | $2.4M | +$152K | +6.3% |
| Total assets | $161.2M | $155.0M | +$6.1M | +4.0% |
| Liabilities | ||||
| Total deposits | $135.1M | $129.5M | +$5.5M | +4.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.0M | $11.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.1M | +$151K | +14.3% |
| Total liabilities | $147.3M | $141.6M | +$5.7M | +4.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $336K | $336K | $0K | 0.0% |
| Surplus | $1.4M | $1.4M | $0K | 0.0% |
| Retained earnings | $13.2M | $12.7M | +$436K | +3.4% |
| Accumulated other comprehensive income | -$1.0M | -$1.0M | +$31K | +3.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.9M | $13.5M | +$467K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $588K | $612K | -$24K | -3.9% |
| Adjusted nonperforming assets | $588K | $612K | -$24K | -3.9% |
| Tangible equity plus allowance | $15.2M | $14.6M | +$533K | +3.6% |
| Texas ratio (gross) | 3.88% | 4.19% | -0.31 pts | See points |
| Texas ratio (adjusted) | 3.88% | 4.19% | -0.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.41% | 5.81% | -0.40 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.41% | 9.32% | +0.09 pts | See points |
| Construction and land loans to total capital | 85.25% | 80.70% | +4.55 pts | See points |
| Commercial real estate to total capital | 123.49% | 113.19% | +10.30 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.10% | -7.59% | +0.49 pts | See points |
| Liquidity | ||||
| Core deposits | $75.6M | $90.5M | -$14.9M | -16.5% |
| Non-core funding | $70.5M | $50.1M | +$20.4M | +40.8% |
| Loans to core deposits | 175.71% | 142.00% | +33.71 pts | See points |
| Loans to deposits | 98.29% | 99.18% | -0.88 pts | See points |
| Brokered deposits share of deposits | 15.76% | 12.85% | +2.90 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 48.09% | 49.04% | -0.95 pts | See points |
| Volatile liabilities | $70.5M | $50.1M | +$20.4M | +40.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $592K | +$630K | +106.4% |
| Earnings before provision, single quarter | $630K | $592K | +$38K | +6.4% |
| Provision for credit losses, year to date | $84K | $42K | +$42K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.29% | 6.18% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 6.35% | 0.00% | +6.35 pts | See points |
| Total interest income to average assets | 5.60% | 5.51% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.64% | 0.63% | +0.01 pts | See points |
| Cost of savings and money market deposits | 2.18% | 2.15% | +0.03 pts | See points |
| Cost of time deposits | 3.82% | 3.81% | +0.01 pts | See points |
| Total interest expense to average assets | 2.27% | 2.23% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $164M | $138M | $135M | 1.14% | 13.14% | 3.57% |
| 2026-06-30 | $161M | $135M | $131M | 1.08% | 12.53% | 3.58% |
| 2026-03-31 | $155M | $130M | $128M | 1.07% | 12.32% | 3.55% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $123.5M | 0.06% | 105 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.