Community State Bank (FDIC #14883): Bank Stress & Real-Estate Credit Exposure
Community State Bank (FDIC Cert #14883): bank stress 74/100, elevated, STABLE over 7 days; parent COMMUNITY FINANCIAL CORP.
Community State Bank (#14883) lends in 3 counties across 1 state; Community State Bank (#14883) reaches 57 ZIP codes: Indiana 3 counties, 57 ZIPs.
Community State Bank (#14883) largest markets: Allen County, IN (33 branches, 33 ZIPs) (#14883), Noble County, IN (54 branches, 18 ZIPs) (#14883), Dekalb County, IN (14 branches, 14 ZIPs) (#14883).
Community State Bank (#14883) reports $553.6 million in total assets; Community State Bank (#14883) equity $49.3 million (8.9% of Community State Bank (#14883) assets); Community State Bank (#14883) domestic deposits $502.3 million; Community State Bank (#14883) net income $2.8 million; Community State Bank (#14883) return on assets 1.00%; Community State Bank (#14883) return on equity 11.37%; Community State Bank (#14883) net interest income $9.9 million; Community State Bank (#14883) call report June 30, 2026.
Community State Bank (#14883) noncurrent real-estate loans: none reported; Community State Bank (#14883) net charge-offs on real estate 0.19%.
Community State Bank (#14883) net interest margin 3.75% against an eight-quarter Community State Bank (#14883) average of 3.63% (Community State Bank (#14883) compression -0.12 points); Community State Bank (#14883) rate-exposure score 40/100, Community State Bank (#14883) fixed-rate trap 40/100; Community State Bank (#14883) risk type credit driven; Community State Bank (#14883) rate regime rates elevated, Community State Bank (#14883) snapshot October 19, 2026.
Community State Bank (#14883) stress score moved from 76.3 on June 22, 2026 to 74.3 on October 19, 2026; Community State Bank (#14883) ranged 74.3 to 76.3 over 116 snapshots.
Community State Bank (#14883) alerts: 3 counties; top Community State Bank (#14883) alert scores: Auburn County, IN 25 (low); Fort Wayne County, IN 25 (low); Kendallville County, IN 25 (low).