Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
208 West 4th Street
Bradley, AR 71826

Community State Bank (AR) is headquartered in Bradley and is the 120th largest bank in the state of Arkansas. It is also the 6,614st largest bank in the nation. It was established in 1933 and as of December of 2013, it had grown to 7 employees at 2 locations. Community State Bank (AR) has a C+ health rating.

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Community State Bank (AR) had $0 in non-current loans and owned real-estate with $3.6 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank (AR) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Community State Bank (AR) has decreased its total deposits by -$4.57 million, resulting in -17.58% 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 $24.67 million in assets with $3.6 million in equity, resulting in a capitalization level of 14.59%, which is excellent.

Institution Statistics

FDIC Certificate #5619
Year Established1933
Primary RegulatorFDIC
Assets and Liabilities
Assets$24.67 million
Loans$11.12 million
Deposits$21.41 million
Equity Capital$3.20 million
Loan Loss Allowance$404,000
Real Estate Owned$0
Historic Data - December 2012
Assets$29.36 million
Equity Capital$3.34 million
Loan Loss Allowance$296,000
Real Estate Owned$176,000
Profit Margin - Quarterly
Net Interest Margin3.72%
Return on Assets0.07%
Return on Equity0.56%
Interest Income$1.07 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Community State Bank (AR), we are a rate comparison website and can not provide official rates or promotions.

Community State Bank (AR) CD Rates

0.60%$1k-30 Month CD
0.45%$1k-18 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD

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