🏦Bank Scorer

COMMUNITY STATE BANK

ROYAL CENTER, IN · Supervised by FDIC

Est. 1930FDIC #1,839RSSD: FDIC-1839
Part ofCOMMUNITY BCORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Institution Profile

FDIC BankFind

Address

101 N Chicago St, ROYAL CENTER, IN

County

Cass County

Established

May 22, 1930

Total Assets

$169M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$169M

Total Deposits

$154M

Net Loans

$87M

Net Income

$306K

ROA

0.71%

ROE

8.56%

Risk-Based Capital

19.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$159M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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