Community State Bank
Galva, Illinois, Henry County
$442M in total assets, the 1,974th largest of 4,309 US banks and 115th of 328 headquartered in Illinois.
- FDIC certificate
- 23257
- Established
- 1980
- Owned by
- Csb Financial Holdings Inc
- Primary regulator
- FDIC
- Website
- http://www.commstatebank.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $442M | 72% | $286M | |
| Loans | $302M | 77% | $174M | |
| Deposits | $399M | 75% | $237M | |
| Return on assets | 1.28% | 65% | 1.12% | |
| Net interest margin | 3.84% | 61% | 3.70% | |
| Efficiency ratio | 61.1% | 38% | 64.2% | |
| Equity to assets | 9.32% | 29% | 10.44% | |
| Loans to deposits | 76% | 49% | 76% |
Growth
Total assets grew 10.9% a year over the last 5 years and 8.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2022 | Citizens First State Bank of Walnut Walnut, IL | $53M |
| Aug 2015 | Franklin Bank Franklin, IL | $37M |
| Sep 2004 | The Whaples and Farmers State Bank Neponset, IL | $10M |
Where they operate
9 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Henry County, IL | $176M | 9.4% | 4 of 11 |
| Bureau County, IL | $90M | 7.1% | 6 of 11 |
| Morgan County, IL | $82M | 8.1% | 6 of 11 |
| Knox County, IL | $49M | 2.2% | 10 of 12 |
| Baldwin County, AL | $3M | 0.0% | 29 of 32 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (5 to 9, +80.0%). 3 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2022 | Acquired Citizens First State Bank of Walnut | 1 | 0 | +1 | 6 |
| 2026 through Q2 | Opened 3 in 2 states | 3 | 0 | +3 | 9 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 23% | |
| Construction and land | 16% | 4% | |
| 1-4 family residential | 12% | 30% | |
| Business (C&I) | 12% | 12% | |
| Farmland | 8% | 13% | |
| Multifamily | 5% | 6% | |
| Agricultural | 3% | 7% | |
| Consumer | 1% | 4% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 42% | 34% | |
| Other interest-bearing | 41% | 47% | |
| Noninterest-bearing | 17% | 19% |
Brokered deposits are 0.0% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.38% | 0.50% |
| Net charge-offs, annualized | -0.02% | 0.01% |
| Reserves to loans | 1.45% | 1.14% |
| Leverage ratio | 9.41% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Henry County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-state-bank-galva-il