The 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: 123.07 percentage points higher than in Q1 2026, at 466.93%. The Community State Bank ranks 138th of 169 Oklahoma banks on return on assets, in the lower half at 0.85% (Q2 2026). The Community State Bank reported 0.85% on return on assets for Q2 2026, 0.41 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.05% |
| Equity capital to assets | 7.22% |
| Tangible equity to tangible assets | 7.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 3.36% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 466.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 11.83% |
| Net interest margin | 4.69% |
| Efficiency ratio | 77.84% |
| Yield on earning assets | 6.58% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.30% |
| Core deposits to total deposits | 86.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.42% |
| Securities to assets | 16.28% |
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 | 12.56% | 12.56% | 13.82% | 9.31% | 0.70% |
| Q4 2023 | 12.44% | 12.44% | 13.69% | 9.54% | 0.85% |
| Q1 2024 | 12.65% | 12.65% | 13.90% | 9.05% | 0.92% |
| Q2 2024 | 12.43% | 12.43% | 13.69% | 8.89% | 0.65% |
| Q3 2024 | 12.76% | 12.76% | 14.01% | 9.24% | 0.97% |
| Q4 2024 | 12.88% | 12.88% | 14.13% | 9.40% | 0.69% |
| Q1 2025 | 12.80% | 12.80% | 14.05% | 9.18% | 0.92% |
| Q2 2025 | 12.80% | 12.80% | 14.06% | 9.29% | 1.10% |
| Q3 2025 | 12.75% | 12.75% | 14.00% | 9.34% | 0.45% |
| Q4 2025 | 12.56% | 12.56% | 13.81% | 9.38% | 1.29% |
| Q1 2026 | 12.78% | 12.78% | 14.03% | 9.14% | 0.81% |
| Q2 2026 | — | — | — | 9.05% | 0.85% |
The Community State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20279) · FFIEC NIC profile (RSSD 706254)