COMMUNITY STATE BANK

PATON, IA | Micro | Est. Feb. 15, 1956, midnight | FDIC #17551 | RSSD #92144 | FDIC
Latest Report: 2025-12-31

COMMUNITY STATE BANK is amn micro FDIC-insured commercial bank headquartered in PATON, IA, established in Feb. 15, 1956, midnight. As of 2025-12-31, the bank reported total assets of $43M and total deposits of $35M. Profitability stands at 0.24% ROA and 1.32% ROE, with a net interest margin of 2.73%. The bank's CET1 capital ratio is 35.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17551.

Assets

$43M

Deposits

$35M

Loans

$14M

Equity

$8M

Profitability

Return on Assets (ROA) 0.24%
Return on Equity (ROE) 1.32%
Net Interest Margin (NIM) 2.73%
Yield on Assets 3.98%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 4.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.31%

Capital & Liquidity

CET1 Ratio 35.19%
Tier 1 Capital 35.19%
Total Capital Ratio 35.38%
Leverage Ratio 19.40%
Loan-to-Deposit 41.03%

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