Community State Bank (Lamar, CO)
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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 Lamar, CO, established in 2008 (FDIC certificate 58732), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $208.1M, up 5.1% from Q2 2025, the 44th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 14.16% 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
- 58732
- Headquarters
- Lamar, CO
- Established
- 2008
- Total assets, Q2 2026
- $208.1M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 14.16%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102107364
- Latest call report
- Q2 2026, FFIEC 041 · Community State Bank call report
- Holding company
- COMMUNITY STATE BANKSHARES, INC.
- Asset rank in state
- 44th of 63 in Colorado
Community State Bank runs leaner than most banks of its size. Based in Lamar, Colorado, it had $208 million in assets at June 30, 2026, up 5.1% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans equal to only 20% of its capital, a small fraction of the median of 1.2 times for banks its size.
Its $29 million commercial and industrial book is improving, with 2.00% past due or on nonaccrual, down from 7.46% a year earlier. Loans are outrunning deposits: over the year loans rose 11.0% and deposits rose 2.8%. Funding is the softer spot: it pays an average of 2.59% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 14.16%, a return on assets of 2.05%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 5.15%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Community State Bank is the 44th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.9% to $208.1M, loans rose 4.2% and deposits fell 4.9%. Agricultural production loans made up 38.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.8%. Its 2 offices in the FDIC Summary of Deposits are in Lamar, CO and Springfield, CO; its Lamar office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 717 N Main St, Lamar, CO 81052
- County
- Prowers
- 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 041
- Established
- July 15, 2008
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $177.6M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $207.6M
- Average total loans
- $168.9M
- Average interest-bearing deposits
- $141.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 15, 2008
- FDIC Cert
- 58732
- Fed RSSD
- 3617856
- Website
- http://www.csb-lamar.com →
- Parent Holding Company
- COMMUNITY STATE BANKSHARES, INC. (RSSD 3619140)
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
From Q3 2023 to Q2 2026, Community State Bank's total assets ranged from $167.2M (Q3 2023) to $212.2M (Q1 2026), 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
$208.1M total assets against $198.0M; $182.3M total liabilities against $173.8M.
$167.8M net loans and leases against $151.5M; $177.6M total deposits against $172.8M.
$26.8M securities against $27.7M; $5.9M cash and balances due against $11.2M.
$3.4M total interest income against $3.2M; $1.2M total interest expense against $1.1M.
$2.2M net interest income against $2.1M.
$117K total noninterest income against $159K; $1.0M total noninterest expense against $938K.
$250K provision for credit losses against $200K.
$1.1M net income against $1.1M.
2.05% return on assets against 2.29%; 4.33% net interest margin against 4.42%.
14.16% CET1 capital ratio against 14.27%; 12.54% tier 1 leverage ratio against 12.56%.
Inside the full Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity State Bank rankings
Its closest position to the top of a national ranking is 338 of 3,606, for efficiency ratio; its furthest is 2,912 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.88% (Q1 2026) to 2.29% (Q2 2025) and its net interest margin ran from 4.22% (Q3 2024) to 4.46% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.16% | 2.05% | 0.90% | 5.15% | 4.33% |
| Q1 2026 | 13.89% | 1.88% | 0.79% | 4.53% | 4.29% |
| Q4 2025 | 15.11% | 1.90% | 0.90% | 4.78% | 4.45% |
| Q3 2025 | 14.72% | 2.14% | 1.01% | 5.41% | 4.41% |
| Q2 2025 | 14.27% | 2.29% | 1.08% | 6.03% | 4.42% |
| Q1 2025 | 14.00% | 2.16% | 0.89% | 4.97% | 4.40% |
| Q4 2024 | 14.61% | 1.97% | 0.73% | 4.09% | 4.46% |
| Q3 2024 | 15.16% | 2.11% | 0.89% | 4.77% | 4.22% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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) | Lamar , CO | 81052 | $119.4M |
| Springfield Branch | Springfield , CO | 81073 | $58.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 79 of 121 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 $208.1 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Lamar, CO, United States.
When was Community State Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58732). 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 14.16% 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 2 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 5.15% 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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