TellerScore

Headquartered in Eureka Springs, Arkansas, CS Bank is a state-chartered bank (fed member) with $628.5M in total assets and $485.5M in deposits as of Q2 2026. It operates 8 offices across 2 states. Its charter dates back to 1912.

CS Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 41st. Earnings contributes the most (100/100, 2.09%); funding & liquidity contributes the least (45/100, 107% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.97%
Loan quality54/100
Noncurrent loans ÷ total loans: 1.37%
Earnings100/100
Return on assets (annualized): 2.09%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 107.2% · 22.9% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.93%

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 (75 → 69), mostly because the loan quality component weakened by 25 points.

TellerScore
697377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202473
Q1 202573
Q2 202575
Q3 202577
Q4 202573
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%8.48%11.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.74%
Q3 202410.88%
Q4 202410.90%
Q1 202510.97%
Q2 202511.18%
Q3 202511.63%
Q4 202511.68%
Q1 202611.88%
Q2 202611.97%
Noncurrent loans
0.58%0.97%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.79%
Q4 20240.68%
Q1 20250.69%
Q2 20250.64%
Q3 20250.58%
Q4 20250.89%
Q1 20261.28%
Q2 20261.37%
Return on assets
1.84%2.05%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.84%
Q3 20241.87%
Q4 20241.96%
Q1 20251.96%
Q2 20252.03%
Q3 20252.27%
Q4 20252.25%
Q1 20262.02%
Q2 20262.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$628.5M11.97%1.37%2.09%107.2%
Q1 202670$621.0M11.88%1.28%2.02%105.7%
Q4 202573$614.2M11.68%0.89%2.25%104.2%
Q3 202577$610.4M11.63%0.58%2.27%102.2%
Q2 202575$593.8M11.18%0.64%2.03%101.6%
Q1 202573$601.0M10.97%0.69%1.96%100.2%
Q4 202473$609.8M10.90%0.68%1.96%97.4%
Q3 202471$573.4M10.88%0.79%1.87%104.9%
Q2 202471$574.1M10.74%0.68%1.84%102.5%

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).

Capital ratio11.97%
65th
Total risk-based capital0.00%
24th
Problem loans1.37%
20th
Net charge-offs0.12%
18th
Return on assets2.09%
89th
Net interest margin4.94%
91st
Efficiency ratio57.4%
65th
Loans to deposits107.2%
5th
Uninsured deposits22.9%
54th
Loan-loss reserves1.74%
88th
Texas ratio8.9%
21st

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs
First State BankBank Russellville, AR71 out of 100, Strong$665.4M11.4%0.04%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Citizens' Bank & Trust Co.Bank Van Buren, AR82 out of 100, Strong$566.4M11.8%0.20%vs
Fidelity BankBank West Memphis, AR78 out of 100, Strong$546.8M13.1%0.74%vs
Union BankBank Mena, AR82 out of 100, Strong$710.2M11.4%0.26%vs

Deposit insurance

Is my money safe at CS Bank?

Yes. CS Bank is an FDIC-insured institution (FDIC certificate #5635). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($110.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.97%, 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%).

Check how much of your own balance is covered

8 locations

Branches

CS Bank lists 7 offices in 6 cities across 2 states. Most locations:

  • Harrison, AR (2)
  • Berryville, AR (1)
  • Cassville, MO (1)
  • Eureka Springs, AR (1)
  • Holiday Island, AR (1)
  • Huntsville, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CS Bank reported 252 home-loan applications under HMDA (LEI 5493007UW5GSKHED2095): 219 originated ($43,345,000 total), 12 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, 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
CS Bank
Former names
Bank of Eureka Springs; Cornerstone Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
5635
RSSD ID
514048
Primary regulator
FED
Holding company
Eureka Bancshares Inc
Established
May 1, 1912
Headquarters
70 S Main St, Eureka Springs, AR 72632
Employees
109

Quick answers

CS Bank: common questions

Is CS Bank FDIC insured?

Yes. CS Bank is an FDIC-insured institution (FDIC certificate #5635). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CS Bank's TellerScore?

69 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 CS Bank ever failed?

There is no failure record for FDIC certificate #5635 in the FDIC failed bank list.

How many branches does CS Bank have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Eureka Springs

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Uark Federal Credit UnionCredit union Fayetteville, AR82 out of 100, Strong$81.9M13.2%0.32%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs