Community State Bank (Paton, IA)
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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 Paton, IA, established in 1956 (FDIC certificate 17551), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $41.4M, down 1.4% from Q2 2025, the 219th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 39.93% 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
- 17551
- Headquarters
- Paton, IA
- Established
- 1956
- Total assets, Q2 2026
- $41.4M
- Assets vs Q2 2025
- -1.4%
- CET1 ratio, Q2 2026
- 39.93%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073922296
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank call report
- Holding company
- BARNES BANCORP, INC.
- Asset rank in state
- 219th of 225 in Iowa
Community State Bank, based in Paton, Iowa, reported $41 million in assets at June 30, 2026, down 1.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it keeps 2.87 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 4.10%. Its $1.7 million commercial and industrial book is now fully current, after 25.17% of it was past due or on nonaccrual a year earlier. One more trend to watch: net income for the quarter slipped 13% from a year earlier, to $91,000.
As of June 30, 2026, Community State Bank reported a CET1 capital ratio of 39.93%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Community State Bank ranks as the 219th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.2% to $41.4M, loans fell 4.0% and deposits fell 4.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 62.2% of total loans, ahead of commercial and industrial loans at 12.8%. Its one office in the FDIC Summary of Deposits is in Paton, IA. On its Q2 2026 call report, Community State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 207 S Main St, Paton, IA 50217
- County
- Greene
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 15, 1956
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $33.6M
- Allowance for credit losses
- $52K
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $41.8M
- Average total loans
- $14.1M
- Average interest-bearing deposits
- $25.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 15, 1956
- FDIC Cert
- 17551
- Fed RSSD
- 92144
- SEC CIK
- 2150699 → filed by BARNES BANCORP, INC.
- Website
- www.csbpaton.com →
- Parent Holding Company
- BARNES BANCORP, INC. (RSSD 6155069)
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
Community State Bank's total assets moved between a low of $41.4M (Q2 2026) and a high of $45.5M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$41.4M total assets against $42.0M; $33.6M total liabilities against $34.7M.
$13.2M net loans and leases against $13.7M; $33.6M total deposits against $34.6M.
$16.5M securities against $19.9M; $9.7M cash and balances due against $6.3M.
$396K total interest income against $382K; $112K total interest expense against $124K.
$284K net interest income against $258K.
$72K total noninterest income against $45K; $263K total noninterest expense against $182K.
$0 provision for credit losses against $0.
$91K net income against $105K.
0.87% return on assets against 1.00%; 2.87% net interest margin against 2.52%.
39.93% CET1 capital ratio against 38.02%; 20.23% tier 1 leverage ratio against 19.99%.
Inside the full Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.13% (Q3 2025) to 1.00% (Q2 2025) and its net interest margin ran from 2.48% (Q1 2025) to 2.87% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.93% | 0.87% | 0.00% | 0.00% | 2.87% |
| Q1 2026 | 37.47% | 0.27% | 0.00% | 0.00% | 2.63% |
| Q4 2025 | 35.19% | 0.23% | 0.00% | 0.00% | 2.62% |
| Q3 2025 | 38.22% | -0.13% | 0.00% | 0.00% | 2.61% |
| Q2 2025 | 38.02% | 1.00% | 4.10% | 7.43% | 2.52% |
| Q1 2025 | 36.49% | 0.31% | 6.48% | 12.50% | 2.48% |
| Q4 2024 | 33.54% | -0.03% | 5.78% | 12.91% | 2.58% |
| Q3 2024 | 34.96% | 0.62% | 5.94% | 12.42% | 2.59% |
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Branch Network
View the branch → 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) | Paton , IA | 50217 | $33.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 250 of 261 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 $41.4 million in its FFIEC call report.
Where is Community State Bank headquartered?
It is headquartered in Paton, IA, United States.
When was Community State Bank founded?
It was established in 1956, per the FDIC institution directory.
Is Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17551). 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 39.93% 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 1 domestic office, 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 0.00% 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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