BanksCOMMUNITY STATE BANK

COMMUNITY STATE BANK

HENNESSEY, OKMicroEst. March 24, 1988, midnightFDIC #27201RSSD #1176920FDIC
Latest · 2025-12-31

COMMUNITY STATE BANK is an 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%. CET1 capital ratio: 20.38%, well above regulatory minimums. NPL ratio: 1.37% · Texas Ratio: 5.39%. Operates 3 domestic branches.

Assets
$79M
Deposits
$73M
Loans
$28M
Equity
$7M

Profitability

Return on Assets (ROA)0.73%
Return on Equity (ROE)8.82%
Net Interest Margin3.70%
Yield on Assets4.51%
Cost of Funds0.81%

Asset Quality

NPL Ratio1.37%
Net Charge-Off Ratio-0.01%
Texas Ratio5.39%
NPA Ratio0.49%
ACL / Loans2.06%

Capital & Liquidity

CET1 Ratio20.38%
Tier 1 Capital20.38%
Total Capital Ratio21.64%
Leverage Ratio8.28%
Loan-to-Deposit39.08%

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