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Community State Bank
Shelbina, MO · FDIC Certificate #22567 · Chartered 11/2
Total assets
$132.76M
Total deposits
$109.22M
Total equity
$15.57M
Net loans
$92.30M
Branches (offices)
2
Net income (YTD)
$1.16M
Rank: #3,448 of 4,213 U.S. banks by assets · #157 of 190 in Missouri. Assets changed 7.5% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 15.33% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 11.73% |
| Tier 1 leverage ratio | 12.05% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 84.5% |
| Real estate loans (share of loans) | 73.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.42M | 73.0% | |
| Commercial & industrial | $5.93M | 6.4% | |
| Consumer / individual | $12.71M | 13.8% | |
| Construction & development | $3.37M | 3.6% | |
| Agricultural | $6.97M | 7.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $100.47M | $84.71M | $733.00K | $9.42M |
| Jun 2023 | $100.85M | $82.13M | $660.00K | $10.29M |
| Jun 2024 | $104.28M | $83.46M | $677.00K | $11.74M |
| Jun 2025 | $123.45M | $101.02M | $939.00K | $13.60M |
| Jun 2026 | $132.76M | $109.22M | $1.16M | $15.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $109.22M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $109.22M.
Similar-sized banks
The First National Bank Of Ely ($132.95M) · Bonduel State Bank ($132.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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