Community State Bank (FDIC #23257): Bank Stress & Real-Estate Credit Exposure
Community State Bank (FDIC Cert #23257): bank stress 67/100, elevated, STABLE over 7 days; parent CSB FINANCIAL HOLDINGS INC.
Community State Bank (#23257) lends in 5 counties across 2 states; Community State Bank (#23257) reaches 111 ZIP codes: Illinois 4 counties, 87 ZIPs; Alabama 1 county, 24 ZIPs.
Community State Bank (#23257) largest markets: Bureau County, IL (62 branches, 31 ZIPs) (#23257), Baldwin County, AL (24 branches, 24 ZIPs) (#23257), Henry County, IL (72 branches, 24 ZIPs) (#23257), Knox County, IL (46 branches, 23 ZIPs) (#23257), Morgan County, IL (16 branches, 16 ZIPs) (#23257).
Community State Bank (#23257) reports $441.9 million in total assets; Community State Bank (#23257) equity $41.2 million (9.3% of Community State Bank (#23257) assets); Community State Bank (#23257) domestic deposits $399.1 million; Community State Bank (#23257) net income $2.7 million; Community State Bank (#23257) return on assets 1.30%; Community State Bank (#23257) return on equity 13.13%; Community State Bank (#23257) net interest income $7.5 million; Community State Bank (#23257) call report June 30, 2026.
Community State Bank (#23257) noncurrent real-estate loans: none reported; Community State Bank (#23257) residential -0.01%; Community State Bank (#23257) net charge-offs on real estate 1.65%; Community State Bank (#23257) residential charge-offs 0.71%.
Community State Bank (#23257) net interest margin 3.84% against an eight-quarter Community State Bank (#23257) average of 3.72% (Community State Bank (#23257) compression -0.12 points); Community State Bank (#23257) non-residential real estate 71.2% of equity; Community State Bank (#23257) rate-exposure score 40/100, Community State Bank (#23257) fixed-rate trap 40/100; Community State Bank (#23257) risk type credit driven; Community State Bank (#23257) rate regime rates elevated, Community State Bank (#23257) snapshot October 20, 2026.
Community State Bank (#23257) stress score moved from 61.7 on June 22, 2026 to 67 on October 20, 2026; Community State Bank (#23257) ranged 61.7 to 67 over 117 snapshots.
Community State Bank (#23257) alerts: 5 counties; top Community State Bank (#23257) alert scores: Franklin County, IL 42 (moderate); Elberta County, IL 24 (low); Kewanee County, IL 24 (low); Knoxville County, IL 24 (low); Walnut County, IL 24 (low).