Community State Bank (AR) is headquartered in Bradley and is the 118st largest bank in the state of Arkansas. It is also the 6,590th largest bank in the nation. It was established in 1933 and as of March of 2014, it had grown to 6 employees at 2 locations. Community State Bank (AR) has a C+ health rating.
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community State Bank (AR) had $114,000 in non-current loans and owned real-estate with $3.5 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank (AR) a Texas Ratio of 3.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Community State Bank (AR) experienced no significant changes from 3.25% as of March 31, 2013 to 3.26% as of March 31, 2014, resulting in a negative change of 0.27%. This indicates that the balance sheet and financial strength for Community State Bank (AR) has had no significant changes in recent periods.
In the past year, Community State Bank (AR) has decreased its total deposits by -$6.82 million, resulting in -26.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community State Bank (AR) has shown is poor.
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community State Bank (AR) has $21.59 million in assets with $3.5 million in equity, resulting in a capitalization level of 16.19%, which is excellent.
|FDIC Certificate #||5619|
|Assets and Liabilities|
|Equity Capital||$3.09 million|
|Loan Loss Allowance||$404,000|
|Real Estate Owned||$114,000|
|Historic Data - March 2013|
|Equity Capital||$3.29 million|
|Loan Loss Allowance||$399,000|
|Real Estate Owned||$120,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.53%|
|Return on Assets||-1.3%|
|Return on Equity||-9.54%|
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|Community State Bank (AR) Locations|
|Community State Bank||208 West 4th Street||Bradley, AR 71826|