🏦Bank Scorer

CS BANK

EUREKA SPRINGS, AR · Supervised by FDIC

Est. 1912FDIC #5,635RSSD: FDIC-5635
Part ofEUREKA BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.02%

Institution Profile

FDIC BankFind

Address

70 S Main St, EUREKA SPRINGS, AR

County

Carroll County

Established

May 1, 1912

Total Assets

$621M(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

March 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$621M

Total Deposits

$480M

Net Loans

$508M

Net Income

$3M

ROA

2.02%

ROE

17.18%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.89%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$469M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202425786.77%3.89%
202332984.19%6.08%
202232888.41%4.88%
202132687.42%4.60%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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