# COMMUNITY STATE BANK
TIPTON, IA · FDIC certificate 10114 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $118.2M | |
| Deposits | $106.9M | |
| Loans and leases | $61.2M | |
| Total equity | $10.3M | |
| Loans / deposits | 56.68% (p20 of band) | 77.79% |
| Liquid assets / assets | 43.99% (p76 of band) | |
| Uninsured deposits / deposits | 22.42% (p74 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.34% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.74% (p8 of band) | 11.56% |
| Unrealized securities loss / equity | 3.22% (p84 of band) | 0.80% |
| AOCI / equity | 9.96% (p94 of band) | |
| ROA (annualized) | 0.98% (p45 of band) | 1.05% |
| Net interest margin | 2.84% (p9 of band) | 3.84% |
| Efficiency ratio | 64.98% (p39 of band) | |
| Noncurrent loans | 1.58% (p78 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 64.74% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 22.51% (p58 of band) | |
| Auto loans | $1.5M (2.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Harrison Barnes Stops By His Newly Purchased Community State Bank in Paton on Wednesday - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYlFjeGFPUWFtWWd2MDVXX05reU1wQzJ5eFlEcUh5UUxXRUN3QUlZNEdIUTlEd2dqQ0RBM0RNeF9HV1EwTmthZm9pUndjX0xYMVg0ZVo2SjdZWllfTTZUdTJDcy1pajFIODBPc2l1V09hQlhxRVVUaWhXbk51M3BwY0l0aGZLYzFDbzVTTlMzNUZ4OUhkQ3ZELXZXVlBCOWJrNy1sakdjZjQtQWJnY0xNdTNrZkR3czdmTHhHR1JsbHBKZDNvanNPcUZCbTdGNzQ?oc=5) · Raccoon Valley Radio
- 2026-09-01 [NBA player Harrison Barnes invests $25 million to become owner of Iowa community bank - Yahoo Sports](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUmg3SktucHZCcjJlZU42NV9fNFBHam5tQWQ2YVVxelFaUjBsZVMxTlJmWDh0UlUyeC16TUE3ay14REI5RFhGU1U2ejdGcFhyMkVzNThQekNFVXd0aHo5d044aFBMSkJmdzFNR0R6N0ZsRXpxbUxvYzFyN253THpMQ0lMVWNDdEM1aGln?oc=5) · Yahoo Sports
- 2026-09-01 [Why San Antonio Spurs forward Harrison Barnes bought an Iowa bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeWRHaUl5YmhxLVNRMHhNNFJCLVBZdG0yU0V0TzJqdEc5ZzhjQmE0LXVNOGh4TXVjVnZNWHhPRzBnZFpQOGJlM1VJWUt5T1lQblFKdDdzOVRUaWl6ZjluUDBzemZQRXl4N3N1am9kd2tQSG1KamljeVZJMF9IaWZWSU9wbkZ3Y0lKU0ZNemhZSmM1S214ZGJxd0h4MXJxVEcwdHNQbkRXeGVmM0xsaTBB?oc=5) · San Antonio Express-News
- 2026-09-02 [Open Thread: Harrison Barnes just bought himself a bank - Pounding The Rock](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQlNPcEdGZGpIUG1zdjkycTI1QU5uZjAyN1pXd0pldWJ2LU1POVZueHZjQjlRWHphVDVqeHdzalZUOFhSYkVEak5uUjJ1ZkVKSWlubTlBbGtiRlFhVmQybEdvV2YxZVJOUk1RRXVaT0R3cTBkTkZfRnZkYUgyZklKOUp4aTlKdEhVNHpDZGw3MDhrZzJrOUpoTEJTNGozMU5FdXZRRXJybWQtNlJyRm9CSEZ5WS04M3VFMHc?oc=5) · Pounding The Rock
- 2026-08-19 [Harrison Barnes is the Proud New Owner of Community State Bank in Paton - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQUd1bTB3LXFqcWo2TTk1RWM3ODhJN05hS25LazVva21MQV9URXlLV2VHOXRCZHhQRG5pdGVTbEk1aE85T3NuWmtGbWhoN05jZ2pSRUZZWUQyM2thdTZKdXZtRk50RUJIanVCMlJvanhZM1JVMUFFTE9pRzRaTnkxMTNXMHZZTlRVVlBCNktKV3A1VzBMWldZMGxDZzR2WFllUTZOendWcnEwODUydVl0YkFQZ3dNSXRuT2c?oc=5) · Raccoon Valley Radio
- 2026-08-29 [Tyrese Haliburton Reacts to Harrison Barnes Buying Iowa Bank in Funny Post Amid NBA Offseason - Bleacher Report](https://news.google.com/rss/articles/CBMizAFBVV95cUxNbTVCbzVUQXhkcllxYU1DUTZMdUM2YnF5UDYyRzNCLURqb1hnaHVLREZmcHA1T2xmWjVCbWh4M3NiR2lMRDRHRzlHLWllX1VzTkZVTE9US0x4eFp6eTBab2t2VnRuNUV2R3prcktfRFJIXzNIM0FnS19Lc3BXNmJKUjZUM2lWX2FKM3VGZXp3NWFoX2VJbzU0cWMwMlZ5US10SC0zRFl6aEVDSkU0cWdrUTZqMDdXanVyN2hGMzJMMkJqcHNEZThfWVlfcmY?oc=5) · Bleacher Report
- 2026-09-01 [NBA Veteran Harrison Barnes Buys Bank In His Home State Of Iowa For $25M - AfroTech](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX0g0eFdXSFpNVGJfMkFfYXNpVXpQQVBOUndGNXAwSVNrenB3a3JYbkQ3cmVYU0pBQWRNbXkzbjBKTEp6MEhaQi1BWlk3UTludUVhQ3UybndxVVZiSnhfVjc5ZFNGakIyaHZuRjZ5TndNYTd4SGxLZjZUdmhLZmNsSDhBOVNQbnBCNERoMUliU0RtY3IxejQw?oc=5) · AfroTech
- 2026-08-31 [NBA Player Harrison Barnes Invests Millions in a Community Bank - The Root](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdHplaXdneE1aRkNYR20tNHgyX2gxTHUzMkZnVnFyWXU1ZkwyTU16SlpNN3J5VDJJS3NoS2dNR0tBZXRDYU42VTFiajlhMzFzTUVPLXl0WmlNR2NEc18tbG1HWnB5MktXWTVJZW1PUUxOd3ZpbzdzLU9hYkU3ZnRFZmRmdVA3WUd5dXlaM3IxNkl0Sl9H?oc=5) · The Root

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10114 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "10114", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide