Community State Bank (AR) is headquartered in Bradley and is the 125th largest bank in the state of Arkansas. It is also the 6,678th largest bank in the nation. It was established in 1933 and as of September of 2013, it had grown to 7 employees at 2 locations. Community State Bank (AR) has a B+ health rating.
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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 September 30, 2013 Community State Bank (AR) had $228,000 in non-current loans and owned real-estate with $3.61 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank (AR) a Texas Ratio of 6.31% 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) held steady from 4.85% as of September 30, 2012 to 6.31% as of September 30, 2013, resulting in a negative change of 30.09%. This indicates that the balance sheet and financial strength for Community State Bank (AR) has held steady in recent periods.
In the past year, Community State Bank (AR) has decreased its total deposits by -$3.28 million, resulting in -12.93% 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 $25.36 million in assets with $3.61 million in equity, resulting in a capitalization level of 14.25%, which is excellent.
|FDIC Certificate #||5619|
|Assets and Liabilities|
|Equity Capital||$3.21 million|
|Loan Loss Allowance||$402,000|
|Real Estate Owned||$228,000|
|Historic Data - September 2012|
|Equity Capital||$3.23 million|
|Loan Loss Allowance||$296,000|
|Real Estate Owned||$171,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.74%|
|Return on Assets||0.08%|
|Return on Equity||0.66%|
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|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 Bank||208 West 4th Street||Bradley, AR 71826|