Community State Bank (MO)

Overview / Commentary
208 North Center Street
Shelbina, MO 63468

Community State Bank (MO) is headquartered in SHELBINA and is the 177th largest bank in the state of Missouri. It is also the 3,881st largest bank in the nation. It was established in 1977 and as of September of 2023, it had grown to 16 employees at 2 locations. Community State Bank (MO)'s CD rates are 2X the national average, and it has a B+ health rating.


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

Health Grade Components

FDIC Certificate #22567
Year Established1977
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD12.99%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$99.3MM$98.7MM
LoansQ3 2023vs Q3 2022$63.5MM$60.2MM
DepositsQ3 2023vs Q3 2022$80.6MM$83.3MM
Equity CapitalQ3 2023vs Q3 2022$10.5MM$9.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$839K$723K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$315K$208K
Real Estate OwnedQ3 2023vs Q3 2022$50K$183K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community State Bank (MO) Savings Account Rates

0.25%$500-Savings Account
0.25%$5-Christmas Club Account

Community State Bank (MO) Money Market Rates

0.85%*$50k*$10mTiered Money Market Account
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k
0.25%*$2.5k*-Money Market Account
OTHER TIERS: 0.10% Up to $2.5k

Community State Bank (MO) Checking Account Rates

0.20%*$2.5k*-Super Now Account
OTHER TIERS: 0.05% Up to $2.5k
0.15%*$1k*-Regular Now Account
OTHER TIERS: 0.05% Up to $1k

Community State Bank (MO) CD Rates

3.04%$500-60 Month CD
2.78%$500-48 Month CD
2.53%$500-36 Month CD
2.27%$500-24 Month CD
2.02%$500-12 Month CD
1.00%$1k-6 Month CD
0.50%$1k-3 Month CD

Community State Bank (MO) IRA Rates

3.04%$500-60 Month IRA
2.78%$500-48 Month IRA
2.53%$500-36 Month IRA
2.27%$500-24 Month IRA
2.02%$500-12 Month IRA
1.00%$1k-6 Month IRA
0.50%$1k-3 Month IRA

Community State Bank (MO) Locations
Community State Bank208 N Center StShelbina, MO 63468
Clarence Branch300 East HazelClarence, MO 63437

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