COMMUNITY STATE BANK, THE

POTEAU, OK | Small | Est. Oct. 19, 1970, midnight | FDIC #20279 | RSSD #706254 | FED
Latest Report: 2025-12-31

COMMUNITY STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in POTEAU, OK, established in Oct. 19, 1970, midnight. As of 2025-12-31, the bank reported total assets of $380M and total deposits of $352M. Profitability stands at 1.28% ROA and 18.05% ROE, with a net interest margin of 4.83%. The bank's CET1 capital ratio is 12.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 4.05%. FDIC Certificate #20279.

Assets

$380M

Deposits

$352M

Loans

$278M

Equity

$27M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 18.05%
Net Interest Margin (NIM) 4.83%
Yield on Assets 6.89%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.05%
NPA Ratio 0.33%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 12.56%
Tier 1 Capital 12.56%
Total Capital Ratio 13.81%
Leverage Ratio 9.38%
Loan-to-Deposit 79.02%

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