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Overview / Commentary
1500 Main St
Union Grove, WI 53182

Community State Bank is headquartered in Union Grove and is the 64th largest bank in the state of Wisconsin. It is also the 2,102nd largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 90 employees at 9 locations. Community State Bank has a B+ health rating.

Reviews (1)

Old Fashion Service, The Way It USED To Be Everywhere!

For years I had been doing my banking at a wonderful little credit union but they were bought out by someone else. This worried me and it turned out my concerns were accurate! In a matter of weeks they went from the "super friendly, first name basis customer service" to the "I will devour every dime of yours I can sink my teeth into." Great White Shark mentality! And boy, they sure did with their excessive charges and what I can call "very shady practices."

I thought the days of fair banking and reasonable fees were gone for good, but then I heard about Community State Bank through my boss who has a commercial account there. I was reluctant to go to a "bank" but he assured me I had nothing to fear. THANK goodness I took a chance because they operate just like my old CU did!

I'm very happy there....please don't sell this place to sharks! Now, if they'd just put a little extra cash into my account once in a while...SURPRISE...that would be really great!


Just One Little Fish


Data for Q1 2014

Institution Health


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 had $6.43 million in non-current loans and owned real-estate with $36.11 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank a Texas Ratio of 17.79% which is above average. 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 decreased slightly from 24.47% as of March 31, 2013 to 17.79% as of March 31, 2014, resulting in a positive change of 27.27%.This indicates that the balance sheet and financial strength for Community State Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Community State Bank has increased its total deposits by $14 million, resulting in 5.3% 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 has shown is excellent.



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 has $312.3 million in assets with $36.11 million in equity, resulting in a capitalization level of 11.56%, which is excellent.

Institution Statistics

FDIC Certificate #9536
Year Established1903
Primary RegulatorFDIC
Assets and Liabilities
Assets$312.30 million
Loans$161.28 million
Deposits$278.04 million
Equity Capital$30.48 million
Loan Loss Allowance$5.64 million
Unbacked Noncurrent Loans$4.69 million
Real Estate Owned$1.74 million
Historic Data - March 2013
Assets$299.82 million
Equity Capital$31.74 million
Loan Loss Allowance$5.41 million
Unbacked Noncurrent Loans$4.69 million
Real Estate Owned$1.05 million
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets0.47%
Return on Equity4.9%
Interest Income$2.85 million

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Community State Bank Locations
Fountain Hills Branch1100 Fountain Hills DriveRacine, WI 53406
Community State Bank1500 Main StreetUnion Grove, WI 53182
Rochester Branch201 West Main StreetRochester, WI 53167
Salem Branch25360 75th StreetSalem, WI 53168
Burlington Branch308 North Bridge StreetBurlington, WI 53105
Waterford Branch810 Fox LaneWaterford, WI 53185
Racine Branch8930 Washington AvenueRacine, WI 53406
Sturtevant Branch9119 Durand AvenueSturtevant, WI 53177
Dover BranchHighways 75 and 11Dover Township, WI 53139