COMMUNITY STATE BANK

HENNESSEY, OK | Micro | Est. March 24, 1988, midnight | FDIC #27201 | RSSD #1176920 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK is amn micro FDIC-insured commercial bank headquartered in HENNESSEY, OK, established in March 24, 1988, midnight. As of 2025-12-31, the bank reported total assets of $79M and total deposits of $73M. Profitability stands at 0.73% ROA and 8.82% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 20.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.37% and a Texas Ratio of 5.39%. FDIC Certificate #27201. The institution operates 1 domestic branch.

Assets

$79M

Deposits

$73M

Loans

$28M

Equity

$7M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 8.82%
Net Interest Margin (NIM) 3.70%
Yield on Assets 4.51%
Cost of Funds 1.25%

Asset Quality

NPL Ratio 1.37%
Net Charge-Off Ratio -0.01%
Texas Ratio 5.39%
NPA Ratio 0.49%
ACL / Loans 2.06%

Capital & Liquidity

CET1 Ratio 20.38%
Tier 1 Capital 20.38%
Total Capital Ratio 21.64%
Leverage Ratio 8.28%
Loan-to-Deposit 39.08%

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