Community State Bank (FDIC certificate #14883) is based in Avilla, Indiana. Its Q2 2026 call report shows $553.6M in total assets and $502.3M in deposits and 5 offices.
Based on its Q2 2026 filing, Community State Bank scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 55th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (45/100; 9.51%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (69 → 63), mostly because the loan quality component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 61 |
| Q1 2025 | 63 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 62 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.54% |
| Q3 2024 | 9.93% |
| Q4 2024 | 9.42% |
| Q1 2025 | 9.56% |
| Q2 2025 | 9.87% |
| Q3 2025 | 10.33% |
| Q4 2025 | 9.21% |
| Q1 2026 | 9.62% |
| Q2 2026 | 9.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.11% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.07% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.77% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $553.6M | 9.51% | 0.48% | 1.00% | 78.5% |
| Q1 2026 | 62 | $521.0M | 9.62% | 0.42% | 0.77% | 82.9% |
| Q4 2025 | 67 | $572.4M | 9.21% | 0.07% | 1.01% | 73.1% |
| Q3 2025 | 69 | $528.8M | 10.33% | 0.11% | 1.02% | 80.9% |
| Q2 2025 | 69 | $499.2M | 9.87% | 0.05% | 1.07% | 84.9% |
| Q1 2025 | 63 | $513.1M | 9.56% | 0.51% | 0.98% | 86.2% |
| Q4 2024 | 61 | $526.6M | 9.42% | 0.69% | 1.11% | 83.4% |
| Q3 2024 | 71 | $505.9M | 9.93% | 0.04% | 1.14% | 84.0% |
| Q2 2024 | 69 | $507.3M | 9.54% | 0.03% | 1.17% | 83.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings BankBank Huntington, IN | 54 out of 100, Below average | $553.6M | 10.5% | 1.88% | vs |
| The Friendship State BankBank Friendship, IN | 66 out of 100, Moderate | $543.8M | 8.8% | 0.37% | vs |
| First Federal Savings BankBank Evansville, IN | 61 out of 100, Moderate | $575.6M | 9.5% | 0.24% | vs |
| Freedom BankBank Huntingburg, IN | 82 out of 100, Strong | $585.7M | 12.6% | 0.23% | vs |
| The Peoples State BankBank Ellettsville, IN | 78 out of 100, Strong | $506.6M | 10.5% | 0.19% | vs |
| The Napoleon State BankBank Napoleon, IN | 70 out of 100, Strong | $499.2M | 11.1% | 1.10% | vs |
Deposit insurance
Is my money safe at Community State Bank?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #14883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.5% of deposits ($223.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.59% (benchmark: 10%).
5 locations
Branches
Community State Bank lists 5 offices in 5 cities. Most locations:
- Albion, IN (1)
- Auburn, IN (1)
- Avilla, IN (1)
- Fort Wayne, IN (1)
- Kendallville, IN (1)
Identity & history
Profile
- Legal name
- Community State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 14883
- RSSD ID
- 502746
- Primary regulator
- FED
- Holding company
- Community Financial Corp
- Established
- February 19, 1931
- Headquarters
- 802 E Albion St, Avilla, IN 46710
- Website
- www.csbbankonline.bank
- Employees
- 75
Quick answers
Community State Bank: common questions
Is Community State Bank FDIC insured?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #14883). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community State Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community State Bank ever failed?
There is no failure record for FDIC certificate #14883 in the FDIC failed bank list.
How many branches does Community State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Avilla
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sca Federal Credit UnionCredit union New Castle, PA | 94 out of 100, Very strong | $17.4M | 19.7% | 0.09% | vs |
| Weatherhead C C Federal Credit UnionCredit union Columbia City, IN | 88 out of 100, Very strong | $25.0M | 13.7% | 0.95% | vs |
| First Federal Savings Bank of AngolaBank Angola, IN | 86 out of 100, Very strong | $137.3M | 23.3% | 0.00% | vs |
| Profed Federal Credit UnionCredit union Fort Wayne, IN | 82 out of 100, Strong | $763.5M | 13.2% | 0.47% | vs |
| Midwest America Federal Credit UnionCredit union Fort Wayne, IN | 79 out of 100, Strong | $1.0B | 14.8% | 0.90% | vs |
| Three Rivers Federal Credit UnionCredit union Fort Wayne, IN | 78 out of 100, Strong | $2.9B | 13.9% | 1.47% | vs |