# COMMUNITY STATE BANK
COFFEYVILLE, KS · FDIC certificate 19749 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $182.0M | |
| Deposits | $166.9M | |
| Loans and leases | $87.3M | |
| Total equity | $14.3M | |
| Loans / deposits | 51.67% (p22 of band) | 71.75% |
| Liquid assets / assets | 48.08% (p74 of band) | |
| Uninsured deposits / deposits | 44.47% (p95 of band) | 18.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.26% (p33 of band) | 11.46% |
| Unrealized securities loss / equity | -49.25% (p17 of band) | -15.99% |
| AOCI / equity | -5.04% (p6 of band) | |
| ROA (annualized) | 0.39% (p23 of band) | 0.90% |
| Net interest margin | 3.00% (p27 of band) | 3.52% |
| Efficiency ratio | 76.18% (p62 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 41.93% (p71 of band) | |
| Auto loans | $1.8M (2.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 0 |  | capital falling, reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 2 | assets shrinking |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 0 |  | deposits shrinking |
| 2018-06 | 2 | deposits shrinking, assets shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | deposits shrinking |  |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | charge-offs p90, AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |

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

- 2026-04-10 [Community State Bank Names Kenosha Native as Market President - Kenosha.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOajJHNklFQkpreE1tTHBfYnlTX0dOa2diWWpEUERXc3V3Nk0xNWUzTXBNbEZFVkJlekFwcFQxazZTNVhEX2RqOFNyaFJGa1FrTG55d01wX0VGQ1hsOVg0RVB5WnpQQklmal9EZ0U3Z095OWxrWllRMWs0a3NnejVPTHNqTlhBY2ZodU5id0pCMVByNVM0LTBTRDNUaEIwX3FFVVpEaS1oZFVMUFRp?oc=5) · Kenosha.com
- 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
- 2025-12-18 [Donald "Don" Murphy - Downing & Lahey](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBkc0w1MWxRWHlxb0VpbGpYQkdCNGVNd1RPZkUyQi1SRWljdExLUzRtM0J4ekhnNldRdGZvMzhrSHYxQnY5TXJZQXpBWjY4NUNJMTJUM3NMSnQtZDMtRGhjeTJB?oc=5) · Downing &amp; Lahey
- 2025-12-20 [America250PA bell unveiled - huntingdondailynews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPUWdUUUw1NzVHQm9Sc0lhSzFEVlpTZ1hndlBpbno5SVZBLVdFb0Rjc2VKWjFEdTh0NzE5cG9CZXBQYjVka3p1X1RveDkyNGZnMGJ3bmZSZlRaZXNXTmxPVWFhbE00RU5TYkdRa2FOd3VJWEhod1d3MjhPcVhpOWdfVnExSHRrNjVmczFQM2d0WkZnS25tY1ZGYUdCSW9mODBiOGQ5ejlNU3gwaDB5LVMyR2JwWkVGOUpGRGFHNURRX0s?oc=5) · huntingdondailynews.com
- 2026-09-01 [NBA star lauded for 'masterclass' $25m purchase of hometown bank and leverage of $250m assets - talkSPORT](https://news.google.com/rss/articles/CBMilwFBVV95cUxORWE4VGJxQnQ5MzlZYzh4WkF6Y3JjdXJFTTRFOHJHaXFYaTBWT0VDQjdPUU02RllCYWRuZ3poRDBLMW9pMDBiSkcxQVAzVFVHTi1xTjlfQWFaYXROcHBlbzFjMzkydl9fV212X3lWcXRhWGFTLUhHY0xrcTUtaGhRZU1udDI1SEd1RnNKZ2tZb2xmS2MzYlJn?oc=5) · talkSPORT
- 2023-01-20 [20 community banks with the highest returns on average equity - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNR1ItODRmREg4Z2FfRExlTXpzdWZ0Y0d0UU5QNk1tV2NOb1RCWWU3U1JYMl95N3Q2WTVTRnRsVmtiX3AtSTNzMk1YV2dUcS1KOFljVG42NEdKbG5KUUdsR2pKczFTd3ZfQWlRUUFORllnc1c3MmFyZFNzcEdVY2ROMWo4REM5eFlZQWJqQzJjVzlndE5hT1hObWU5bDRiZw?oc=5) · American Banker
- 2024-10-11 [18th Annual Community Bankers Symposium - Chicago - Federal Reserve Bank](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRmNSTVVIU19FZk5OTFJ6NDA4Q1B3MDg1WFhuQlZYTVB6R1VLaXFkUDVhMkhXcERfTlhhZWpXbHRZcVpiLWVKUXl3QnkzNlNNUjdiMk1qc2FSYWpDZ2RuVngtbV9INTFURWthdXAwMW5sR25fMkhwLTVheWpNbWVic1Q3YXQ?oc=5) · Chicago - Federal Reserve Bank
- 2021-02-27 [Gov. Bill Lee. . Tennessee is home to the oldest minority-owned bank in the U.S. Proud to recognize Citizens Savings Bank and Trust Company for their long-standing commitment to TN communities. #BlackHistoryMonth - facebook.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPTGlLZmlYcW5WVVR5WVN4ck1QbGZ2NGFqWWF5bXRKVHhXYWt4Z0R5NnVCcy15SEhTbDZBZ3NyM04zMXlKejBNWTM1NjYxLTNUNy0ybXpZMDJOVEdXVENxTm12bEY5UmdMWEo3WlFOb0JjcnB2d3M4QURRYmNUYzJzeGZiZnZ4V3hSRU83MlFCMlE5U2JMOV92cTNzekRxY3FLdjIyT1lZdjVUSml2V09MMDc2QnJEdDdFYm5BWEpVREFJWWtWbDRqSVNqbzFyNktnS1E?oc=5) · facebook.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19749 (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/37.json (key "19749", 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