Community State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.07 percentage points lower than in Q1 2026, at 289.09%. Within Colorado, Community State Bank is 9th of 63 on return on assets, 2.05% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Community State Bank reported 2.05% on return on assets in Q2 2026, 0.80 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.16% |
| Tier 1 risk-based capital ratio | 14.16% |
| Total risk-based capital ratio | 15.42% |
| Tier 1 leverage ratio | 12.54% |
| Equity capital to assets | 12.38% |
| Tangible equity to tangible assets | 12.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.90% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.15% |
| Allowance for credit losses to loans | 2.61% |
| Reserve coverage of non-performing loans | 289.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.05% |
| Return on equity | 16.89% |
| Net interest margin | 4.33% |
| Efficiency ratio | 43.28% |
| Yield on earning assets | 6.62% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.02% |
| Core deposits to total deposits | 73.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.35% |
| Securities to assets | 12.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.64% | 15.64% | 16.90% | 13.60% | 2.27% |
| Q4 2023 | 16.03% | 16.03% | 17.29% | 14.14% | 2.36% |
| Q1 2024 | 15.34% | 15.34% | 16.60% | 13.07% | 2.34% |
| Q2 2024 | 15.29% | 15.29% | 16.56% | 13.79% | 2.32% |
| Q3 2024 | 15.16% | 15.16% | 16.43% | 13.63% | 2.11% |
| Q4 2024 | 14.61% | 14.61% | 15.87% | 13.31% | 1.97% |
| Q1 2025 | 14.00% | 14.00% | 15.26% | 12.53% | 2.16% |
| Q2 2025 | 14.27% | 14.27% | 15.53% | 12.56% | 2.29% |
| Q3 2025 | 14.72% | 14.72% | 15.98% | 12.65% | 2.14% |
| Q4 2025 | 15.11% | 15.11% | 16.37% | 13.00% | 1.90% |
| Q1 2026 | 13.89% | 13.89% | 15.15% | 12.26% | 1.88% |
| Q2 2026 | 14.16% | 14.16% | 15.42% | 12.54% | 2.05% |
Community State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58732) · FFIEC NIC profile (RSSD 3617856)