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Cs Bank
Eureka Springs, AR · FDIC Certificate #5635 · Chartered 05/0
Total assets
$628.45M
Total deposits
$485.52M
Total equity
$74.78M
Net loans
$520.56M
Branches (offices)
8
Net income (YTD)
$6.50M
Rank: #1,503 of 4,213 U.S. banks by assets · #33 of 78 in Arkansas. Assets changed 5.8% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.09% |
| Return on equity | 17.72% |
| Net interest margin (YTD) | 4.94% |
| Equity to assets | 11.90% |
| Tier 1 leverage ratio | 11.97% |
| Uninsured deposits (share of deposits) | 22.9% |
| Noncurrent loans (share of loans) | 1.37% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 107.2% |
| Real estate loans (share of loans) | 89.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $466.90M | 89.7% | |
| Commercial & industrial | $27.85M | 5.4% | |
| Consumer / individual | $17.97M | 3.5% | |
| Construction & development | $48.66M | 9.3% | |
| Agricultural | $15.94M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $499.69M | $412.22M | $5.00M | $48.05M |
| Jun 2023 | $509.60M | $418.38M | $5.31M | $54.44M |
| Jun 2024 | $574.10M | $449.70M | $5.16M | $60.67M |
| Jun 2025 | $593.83M | $468.51M | $6.10M | $66.89M |
| Jun 2026 | $628.45M | $485.52M | $6.50M | $74.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $448.13M | 7 |
| Missouri | $37.40M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $485.52M.
Similar-sized banks
Fnbt Bank ($628.51M) · Blueharbor Bank ($628.41M)
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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