Community State Bank is a state-chartered bank headquartered in Galva, Illinois, in business for about 46 years. At the end of Q2 2026 it reported $441.9M in total assets and $399.1M in deposits, with 9 offices across 2 states.
Community State Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 239th. Funding & liquidity contributes the most (86/100, 75% loans-to-deposits, 5% uninsured); capital cushion contributes the least (44/100, 9.41%).
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 5 points (67 → 62), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 59 |
| Q4 2024 | 76 |
| Q1 2025 | 65 |
| Q2 2025 | 67 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 65 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.46% |
| Q3 2024 | 9.84% |
| Q4 2024 | 9.87% |
| Q1 2025 | 9.97% |
| Q2 2025 | 10.19% |
| Q3 2025 | 10.14% |
| Q4 2025 | 10.19% |
| Q1 2026 | 9.85% |
| Q2 2026 | 9.41% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 1.63% |
| Q4 2024 | 0.13% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.18% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.38% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $441.9M | 9.41% | 1.38% | 1.30% | 74.6% |
| Q1 2026 | 65 | $403.9M | 9.85% | 1.20% | 1.37% | 81.3% |
| Q4 2025 | 67 | $388.0M | 10.19% | 1.18% | 1.40% | 80.1% |
| Q3 2025 | 67 | $378.8M | 10.14% | 1.27% | 1.55% | 76.2% |
| Q2 2025 | 67 | $372.7M | 10.19% | 1.32% | 1.53% | 77.9% |
| Q1 2025 | 65 | $368.0M | 9.97% | 1.33% | 1.41% | 79.5% |
| Q4 2024 | 76 | $367.8M | 9.87% | 0.13% | 1.36% | 77.9% |
| Q3 2024 | 59 | $367.7M | 9.84% | 1.63% | 1.04% | 76.3% |
| Q2 2024 | 73 | $357.9M | 9.46% | 0.04% | 1.06% | 77.5% |
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grand Ridge National BankBank Wheaton, IL | 79 out of 100, Strong | $443.3M | 13.8% | 0.76% | vs |
| The City National Bank of MetropolisBank Metropolis, IL | 67 out of 100, Moderate | $444.4M | 13.8% | 1.68% | vs |
| Better BanksBank Peoria, IL | 59 out of 100, Moderate | $445.8M | 9.4% | 1.55% | vs |
| Eureka Savings BankBank La Salle, IL | 61 out of 100, Moderate | $435.8M | 21.6% | 3.05% | vs |
| Citizens State BankBank Lena, IL | 67 out of 100, Moderate | $453.3M | 9.6% | 1.23% | vs |
| First Federal Savings BankBank Ottawa, IL | 57 out of 100, Moderate | $421.9M | 10.7% | 1.32% | vs |
Deposit insurance
Is my money safe at Community State Bank?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #23257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.3% of deposits ($21.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.41%, 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%).
9 locations
Branches
Community State Bank lists 9 offices in 8 cities across 2 states. Most locations:
- Kewanee, IL (2)
- Elberta, AL (1)
- Franklin, IL (1)
- Galesburg, IL (1)
- Galva, IL (1)
- Knoxville, IL (1)
- Neponset, IL (1)
- Walnut, IL (1)
HMDA 2025
Mortgage lending
In 2025, Community State Bank reported 30 home-loan applications under HMDA (LEI 254900MHEKUVX1BTCD10): 27 originated ($1,925,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Community State Bank
- Former names
- Community State Bank of Galva
- Type
- State-chartered bank
- FDIC certificate #
- 23257
- RSSD ID
- 987231
- Primary regulator
- FDIC
- Holding company
- Csb Financial Holdings Inc
- Established
- November 24, 1980
- Headquarters
- 625 Se 2nd St, Galva, IL 61434
- Website
- www.commstatebank.com
- Employees
- 65
Quick answers
Community State Bank: common questions
Is Community State Bank FDIC insured?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #23257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community State Bank's TellerScore?
62 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 #23257 in the FDIC failed bank list.
How many branches does Community State Bank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Galva
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Anderson State BankBank Oneida, IL | 96 out of 100, Very strong | $108.9M | 17.3% | 0.00% | vs |
| Galesburg Burlington Credit UnionCredit union Galesburg, IL | 96 out of 100, Very strong | $56.8M | 28.5% | 0.23% | vs |
| United Equity Credit UnionCredit union Decatur, IL | 94 out of 100, Very strong | $66.2M | 18.7% | 0.23% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| State Bank of ToulonBank Toulon, IL | 77 out of 100, Strong | $343.4M | 10.5% | 0.13% | vs |
| Union Federal Savings and Loan AssociationBank Kewanee, IL | 77 out of 100, Strong | $145.6M | 16.5% | 0.51% | vs |