The Community State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Community State Bank is an FDIC-insured commercial bank headquartered in Poteau, OK, established in 1970 (FDIC certificate 20279), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $393.1M, up 9.7% from Q2 2025, the 66th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20279
- Headquarters
- Poteau, OK
- Established
- 1970
- Total assets, Q2 2026
- $393.1M
- Assets vs Q2 2025
- +9.7%
- Tier 1 leverage ratio, Q2 2026
- 9.05%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103101518
- Holding company
- FIRST POTEAU CORPORATION
- Asset rank in state
- 66th of 169 in Oklahoma
The Community State Bank operates with a thinner capital cushion than most banks of its size. Based in Poteau, Oklahoma, it had $393 million in assets at June 30, 2026, up 9.7% from a year earlier. It funds 9.05% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it keeps 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter slipped 17% from a year earlier, to $835,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.0 million equal 22% of Tier 1 capital, down from 34% a year earlier. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Community State Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 3.36%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Community State Bank is the 66th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $393.1M, loans rose 3.1% and deposits rose 0.6%. 1-4 family residential loans made up 32.2% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.3%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in OK; its Poteau 2 offices book 52% of its branch deposits. On its Q2 2026 call report, The Community State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1409 N Broadway St, Poteau, OK 74953
- County
- Le Flore
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 19, 1970
- Former names
- The Community State Bank (2000)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $363.3M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $162K
- Average total assets
- $395.0M
- Average total loans
- $283.7M
- Average interest-bearing deposits
- $270.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 19, 1970
- FDIC Cert
- 20279
- Fed RSSD
- 706254
- Website
- www.thecommunitysb.com →
- Parent Holding Company
- FIRST POTEAU CORPORATION (RSSD 1060243)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Community State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Community State Bank's total assets ranged from $326.8M (Q3 2023) to $393.1M (Q2 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
$393.1M total assets against $358.3M; $364.7M total liabilities against $335.4M.
$288.2M net loans and leases against $260.8M; $363.3M total deposits against $334.0M.
$64.0M securities against $53.8M; $26.8M cash and balances due against $30.2M.
$6.2M total interest income against $5.8M; $1.8M total interest expense against $1.9M.
$4.4M net interest income against $3.9M.
$828K total noninterest income against $790K; $4.1M total noninterest expense against $3.5M.
$200K provision for credit losses against $25K.
$835K net income against $1.0M.
0.85% return on assets against 1.10%; 4.69% net interest margin against 4.45%.
9.05% tier 1 leverage ratio against 9.29%.
Inside the full The Community State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Community State Bank rankings
Its closest position to the top of a national ranking is 1,755 of 3,640, for Texas Ratio; its furthest is 3,171 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q3 2025) to 1.29% (Q4 2025) and its net interest margin ran from 3.97% (Q1 2025) to 4.71% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.05% | 0.85% | 0.26% | 3.36% | 4.69% |
| Q1 2026 | 9.14% | 0.81% | 0.35% | 3.49% | 4.28% |
| Q4 2025 | 9.38% | 1.29% | 0.45% | 4.14% | 4.71% |
| Q3 2025 | 9.34% | 0.45% | 0.22% | 2.02% | 4.60% |
| Q2 2025 | 9.29% | 1.10% | 0.20% | 2.09% | 4.45% |
| Q1 2025 | 9.18% | 0.92% | 0.16% | 2.42% | 3.97% |
| Q4 2024 | 9.40% | 0.69% | 2.59% | 26.64% | 4.07% |
| Q3 2024 | 9.24% | 0.97% | 2.41% | 23.57% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| The Community State Bank | Poteau , OK | 74953 | $172.4M |
| Wilburton Branch | Wilburton , OK | 74578 | $73.8M |
| Talihina Branch | Talihina , OK | 74571 | $44.9M |
| Spiro Branch | Spiro , OK | 74959 | $37.5M |
| Wister Branch | Wister , OK | 74966 | $17.8M |
| North Broadway Branch | Poteau , OK | 74953 | $16.9M |
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 |
|---|---|---|---|
| July 14, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2000 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
- 0.2% of deposits in OK, rank 70 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $328K approved, $328K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Community State Bank
What are The Community State Bank's total assets?
As of the Q2 2026 filing, The Community State Bank reported total assets of $393.1 million in its FFIEC call report.
Where is The Community State Bank headquartered?
It is headquartered in Poteau, OK, United States.
When was The Community State Bank founded?
It was established in 1970, per the FDIC institution directory.
Is The Community State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Community State Bank?
The Community State Bank's primary federal regulator is the Federal Reserve.
How many branches does The Community State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Community State Bank's Texas Ratio?
Its Texas Ratio is 3.36% 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.
What was The Community State Bank previously called?
The charter now named The Community State Bank has also operated as The Community State Bank (2000), per FDIC structure-change records.
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