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208 West 4th Street
Bradley, AR 71826

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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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community State Bank (AR) has a low asset base.

Texas Ratio


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.

Texas Ratio Trend


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.

Deposit Growth


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.

Institution Statistics

FDIC Certificate #5619
Year Established1933
Primary RegulatorFDIC
Assets and Liabilities
Assets$21.59 million
Loans$10.50 million
Deposits$18.48 million
Equity Capital$3.09 million
Loan Loss Allowance$404,000
Real Estate Owned$114,000
Historic Data - March 2013
Assets$28.64 million
Equity Capital$3.29 million
Loan Loss Allowance$399,000
Real Estate Owned$120,000
Profit Margin - Quarterly
Return on Assets-1.3%
Return on Equity-9.54%
Interest Income$210,000

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Community State Bank (AR) Locations
Community State Bank208 West 4th StreetBradley, AR 71826