Community State Bank (Hennessey, OK)
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Data as of · sourced from FFIEC call reports. How we update
Community State Bank is an FDIC-insured commercial bank headquartered in Hennessey, OK, established in 1988 (FDIC certificate 27201), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $89.7M, up 4.5% from Q2 2025, the 134th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 20.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27201
- Headquarters
- Hennessey, OK
- Established
- 1988
- Total assets, Q2 2026
- $89.7M
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 20.40%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103101589
- Holding company
- WARRIOR BANK CORPORATION, INC.
- Asset rank in state
- 134th of 169 in Oklahoma
Problem loans are rising at Community State Bank. It reported $90 million in assets at June 30, 2026, up 4.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.85% of loans from 1.41% a year earlier. It funds 7.49% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it pays an average of 0.80% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 203% of Tier 1 capital, down from 230% a year earlier. The commercial and industrial book ($7.8 million) is worsening: 10.21% of it is past due or on nonaccrual, up from 5.93% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.7% of the capital and reserves that would absorb them, 7.8 times the median of 1.4% for banks its size.
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 20.40%, a return on assets of 0.82%, a nonperforming-loan ratio of 2.85% and a Texas ratio of 10.73%. The figures come from its call report filed with the FFIEC.
Community State Bank ranks as the 134th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $89.7M, loans fell 4.2% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 28.2% of total loans, ahead of 1-4 family residential loans at 17.9%. Its 3 offices in the FDIC Summary of Deposits are in Hennessey, OK, Cashion, OK and Dover, OK; its Hennessey office books 45% of its branch deposits. Judged on its Q2 2026 call report, Community State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 525 N Main St, Hennessey, OK 73742
- County
- Kingfisher
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 24, 1988
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $82.8M
- Allowance for credit losses
- $578K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $90.6M
- Average total loans
- $28.5M
- Average interest-bearing deposits
- $57.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 24, 1988
- FDIC Cert
- 27201
- Fed RSSD
- 1176920
- Website
- www.mycsb.com →
- Parent Holding Company
- WARRIOR BANK CORPORATION, INC. (RSSD 1249749)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community State Bank's total assets ran between $79.5M (Q4 2025) and $90.0M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$89.7M total assets against $85.8M; $82.9M total liabilities against $79.2M.
$27.1M net loans and leases against $28.1M; $82.8M total deposits against $79.1M.
$44.8M securities against $45.4M; $14.3M cash and balances due against $9.1M.
$902K total interest income against $864K; $167K total interest expense against $165K.
$735K net interest income against $699K.
$234K total noninterest income against $205K; $783K total noninterest expense against $707K.
$0 provision for credit losses against $0.
$186K net income against $197K.
0.82% return on assets against 0.92%; 3.47% net interest margin against 3.51%.
20.40% CET1 capital ratio against 19.70%; 7.49% tier 1 leverage ratio against 7.79%.
Inside the full Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Community State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 0.92% (Q2 2025) and its net interest margin ran from 3.26% (Q3 2024) to 3.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.40% | 0.82% | 2.85% | 10.73% | 3.47% |
| Q1 2026 | 19.82% | 0.71% | 2.77% | 10.97% | 3.50% |
| Q4 2025 | 20.38% | 0.73% | 2.81% | 11.03% | 3.63% |
| Q3 2025 | 19.56% | 0.71% | 1.53% | 6.25% | 3.57% |
| Q2 2025 | 19.70% | 0.92% | 1.41% | 5.60% | 3.51% |
| Q1 2025 | 20.43% | 0.78% | 1.45% | 5.53% | 3.36% |
| Q4 2024 | 20.21% | 0.65% | 1.42% | 5.65% | 3.29% |
| Q3 2024 | 20.43% | 0.69% | 1.66% | 6.37% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community State Bank (main office) | Hennessey , OK | 73742 | $37.0M |
| Cashion Branch | Cashion , OK | 73016 | $29.3M |
| Dover Community Branch | Dover , OK | 73734 | $16.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 25, 1988 | Structure Change | Acquired Cashion Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 24, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 150 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community State Bank
What are Community State Bank's total assets?
As of the Q2 2026 filing, Community State Bank reported total assets of $89.7 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Hennessey, OK, United States.
When was Community State Bank founded?
It was established in 1988, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community State Bank?
Community State Bank's primary federal regulator is the FDIC.
What is Community State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community State Bank's Texas Ratio?
Its Texas Ratio is 10.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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