COMMUNITY STATE BANK

LAMAR, CO | Small | Est. July 15, 2008, midnight | FDIC #58732 | RSSD #3617856 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK is asn small FDIC-insured commercial bank headquartered in LAMAR, CO, established in July 15, 2008, midnight. As of 2025-12-31, the bank reported total assets of $199M and total deposits of $172M. Profitability stands at 1.93% ROA and 14.94% ROE, with a net interest margin of 4.76%. The bank's CET1 capital ratio is 15.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 3.93%. FDIC Certificate #58732.

Assets

$199M

Deposits

$172M

Loans

$162M

Equity

$26M

Profitability

Return on Assets (ROA) 1.93%
Return on Equity (ROE) 14.94%
Net Interest Margin (NIM) 4.76%
Yield on Assets 7.29%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.24%
Texas Ratio 3.93%
NPA Ratio 0.60%
ACL / Loans 2.48%

Capital & Liquidity

CET1 Ratio 15.11%
Tier 1 Capital 15.11%
Total Capital Ratio 16.37%
Leverage Ratio 13.00%
Loan-to-Deposit 94.26%

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