Bank · FDIC insured
Community State Bank
A $553.6M bank headquartered in Avilla, IN, with 5 branches in Indiana. Best rates: CDs 3.60% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs713.60%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community State Bank
Community State Bank was founded in 1931 during the early days of the Great Depression by local merchants, farmers, and leaders who recognized the need for a trusted local bank.
The bank serves customers, businesses, and families throughout northeast Indiana, including Noble County, LaGrange County, and DeKalb County.
- Headquarters
- 802 E Albion St, Avilla, IN 46710
- FDIC certificate
- 14883 ↗
Branches
5 branches in Indiana
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Indiana
5 branches
Kendallville area · 3
- Community State BankMain office802 E Albion St, Avilla, IN 46710Directions
- 115 South Main Street Branch115 South Main Street, Albion, IN 46701Directions
- 506 East North Branch506 E North St, Kendallville, IN 46755Directions
Auburn area · 1
- Auburn Branch708 W 7th St, Auburn, IN 46706Directions
Fort Wayne area · 1
- Fw Lima Branch11255 Twin Creeks Dr, Fort Wayne, IN 46845Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.51% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.48% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.00% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio9.51%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.48%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.00%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Community State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.