Community State Bank is a state-chartered bank headquartered in Shelbina, Missouri, in business for about 49 years. At the end of Q2 2026 it reported $132.8M in total assets and $109.2M in deposits, with 2 offices.
Based on its Q2 2026 filing, Community State Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 34th. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is funding & liquidity (63/100; 85% loans-to-deposits, 26% uninsured).
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 rose 7 points (76 → 83), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 78 |
| Q2 2025 | 76 |
| Q3 2025 | 78 |
| Q4 2025 | 73 |
| Q1 2026 | 82 |
| Q2 2026 | 83 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.27% |
| Q3 2024 | 12.54% |
| Q4 2024 | 12.33% |
| Q1 2025 | 11.80% |
| Q2 2025 | 10.79% |
| Q3 2025 | 11.44% |
| Q4 2025 | 11.57% |
| Q1 2026 | 11.49% |
| Q2 2026 | 12.05% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.27% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.55% |
| Q1 2026 | 1.78% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $132.8M | 12.05% | 0.10% | 1.78% | 84.5% |
| Q1 2026 | 82 | $130.7M | 11.49% | 0.07% | 1.78% | 81.9% |
| Q4 2025 | 73 | $128.3M | 11.57% | 0.76% | 1.55% | 83.3% |
| Q3 2025 | 78 | $121.9M | 11.44% | 0.26% | 1.65% | 84.8% |
| Q2 2025 | 76 | $123.4M | 10.79% | 0.33% | 1.56% | 78.5% |
| Q1 2025 | 78 | $121.8M | 11.80% | 0.39% | 1.53% | 75.6% |
| Q4 2024 | 80 | $115.3M | 12.33% | 0.15% | 1.30% | 80.7% |
| Q3 2024 | 80 | $106.7M | 12.54% | 0.15% | 1.33% | 85.4% |
| Q2 2024 | 78 | $104.3M | 12.27% | 0.32% | 1.27% | 83.8% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Bank of Pleasant HillBank Pleasant Hill, MO | 76 out of 100, Strong | $133.4M | 10.4% | 0.00% | vs |
| County BankBank Brunswick, MO | 76 out of 100, Strong | $133.7M | 8.3% | 0.00% | vs |
| Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO | 81 out of 100, Strong | $131.4M | 14.5% | 0.73% | vs |
| State Bank of MissouriBank Concordia, MO | 55 out of 100, Moderate | $134.3M | 8.9% | 1.80% | vs |
| Preferred BankBank Rothville, MO | 69 out of 100, Moderate | $134.5M | 7.6% | 0.18% | vs |
| Chillicothe State BankBank Chillicothe, MO | 64 out of 100, Moderate | $135.2M | 7.9% | 0.72% | vs |
Deposit insurance
Is my money safe at Community State Bank?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #22567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($28.7M) 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 12.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Community State Bank lists 2 offices in 2 cities. Most locations:
- Clarence, MO (1)
- Shelbina, MO (1)
Identity & history
Profile
- Legal name
- Community State Bank
- Former names
- Community State Bank of Shelbina
- Type
- State-chartered bank
- FDIC certificate #
- 22567
- RSSD ID
- 367150
- Primary regulator
- FDIC
- Holding company
- Community State Bancshares Inc
- Established
- November 28, 1977
- Headquarters
- 208 N Center St, Shelbina, MO 63468
- Website
- www.commbankonline.com
- Employees
- 18
Quick answers
Community State Bank: common questions
Is Community State Bank FDIC insured?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #22567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community State Bank's TellerScore?
83 out of 100 (Strong), 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 #22567 in the FDIC failed bank list.
How many branches does Community State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Shelbina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TPNB BankBank Paris, MO | 89 out of 100, Very strong | $112.0M | 15.2% | 0.00% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| Regional Missouri BankBank Marceline, MO | 84 out of 100, Strong | $597.4M | 11.6% | 0.07% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| United State BankBank Lewistown, MO | 80 out of 100, Strong | $290.1M | 10.5% | 0.07% | vs |
| County BankBank Brunswick, MO | 76 out of 100, Strong | $133.7M | 8.3% | 0.00% | vs |