Community State Bank (FDIC #9536): Bank Stress & Real-Estate Credit Exposure
Community State Bank (FDIC Cert #9536): bank stress 73/100, elevated, STABLE over 7 days; parent UNION BCORP INC.
Community State Bank (#9536) lends in 3 counties across 1 state; Community State Bank (#9536) reaches 42 ZIP codes: Wisconsin 3 counties, 42 ZIPs.
Community State Bank (#9536) largest markets: Walworth County, WI (18 branches, 18 ZIPs) (#9536), Kenosha County, WI (34 branches, 17 ZIPs) (#9536), Racine County, WI (64 branches, 16 ZIPs) (#9536).
Community State Bank (#9536) reports $667.5 million in total assets; Community State Bank (#9536) equity $40.7 million (6.1% of Community State Bank (#9536) assets); Community State Bank (#9536) domestic deposits $621.3 million; Community State Bank (#9536) net income $4.6 million; Community State Bank (#9536) return on assets 1.39%; Community State Bank (#9536) return on equity 22.68%; Community State Bank (#9536) net interest income $11.9 million; Community State Bank (#9536) call report June 30, 2026.
Community State Bank (#9536) noncurrent real-estate loans: none reported; Community State Bank (#9536) net charge-offs on real estate 0.15%; Community State Bank (#9536) residential charge-offs 0.21%.
Community State Bank (#9536) net interest margin 3.89% against an eight-quarter Community State Bank (#9536) average of 3.74% (Community State Bank (#9536) compression -0.15 points); Community State Bank (#9536) non-residential real estate 20.5% of equity; Community State Bank (#9536) rate-exposure score 40/100, Community State Bank (#9536) fixed-rate trap 40/100; Community State Bank (#9536) risk type credit driven; Community State Bank (#9536) rate regime rates elevated, Community State Bank (#9536) snapshot October 19, 2026.
Community State Bank (#9536) stress score moved from 72.9 on June 22, 2026 to 73.3 on October 19, 2026; Community State Bank (#9536) ranged 72.9 to 73.3 over 116 snapshots.
Community State Bank (#9536) alerts: 3 counties; top Community State Bank (#9536) alert scores: Lake Geneva County, WI 26 (low); Salem County, WI 26 (low); Waterford County, WI 26 (low).