# COMMUNITY STATE BANK
POTEAU, OK · FDIC certificate 20279 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $393.1M | |
| Deposits | $363.3M | |
| Loans and leases | $291.7M | |
| Total equity | $28.4M | |
| Loans / deposits | 79.31% (p44 of band) | 82.04% |
| Liquid assets / assets | 23.09% (p44 of band) | |
| Uninsured deposits / deposits | 23.84% (p42 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.05% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -28.10% (p14 of band) | -8.10% |
| AOCI / equity | 1.15% (p96 of band) | |
| ROA (annualized) | 0.84% (p24 of band) | 1.28% |
| Net interest margin | 4.54% (p84 of band) | 3.91% |
| Efficiency ratio | 77.76% (p86 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p82 of band) | |
| Reserve coverage of noncurrent | 466.93% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 95.44% (p85 of band) | |
| Auto loans | $8.7M (2.99% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | reserve under noncurrent, construction >100% equity | uninsured deposits leaving |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | construction >100% equity |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | capital falling, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | brokered >10% |  |
| 2017-03 | 0 |  | brokered >10% |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, reserve under noncurrent |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling, reserve under noncurrent | charge-offs p90 |
| 2021-09 | 2 | noncurrent p90 | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | expense ratio p90, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling | charge-offs p90 |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 2 |  | expense ratio p90 |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 3 | noncurrent p90, reserve under noncurrent | construction >100% equity, capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-06 | 2 | construction >100% equity |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 2 | construction >100% equity |  |
| 2026-03 | 1 |  | securities losses >30% of equity |
| 2026-06 | 1 | capital falling | construction >100% equity |

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

- 2026-03-13 [The Community State Bank Recognizes Leadership with Promotions at Annual Board Meeting. - OKW News](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVzJQd3BpMy0yT0Y1YzMyMXpJZWdHUGFSUHdnMEtVY0UxN0VxT2xqX0U0OWFnaGpVaWUwQjdsdDloQ29KOEo2M1lCOFFTcGNfaEtVXzBYZ0wxVGt2bmtXQVZBb3FIVk9XNzlHc2JsTElRd3dsN0NST2o4c2lHYXNEN09HUDE2NW9JY0tXLUg2akZvZnNhZUdTUi1MSlVRMmd1VGdKbTI5ZkJVZVgtYlJiU05XZDJRT0U4cGtWXw?oc=5) · OKW News
- 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
- 2026-06-08 [Southern Utah University, State Bank of Southern Utah ink 15-year partnership - KSL.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOaUdob3Y4MklpcDlueS1iYmNLSnR5ZmRSajNjTk1GSmZSZ0pQQkVDODlnZWI3Zm5LX1hQQ21Jc09YXzI5cGc0NWhMZ01UbGdlandxVXk5ZlRPQVREcDlXU3FMcWdTcHBFRF9ZZ1dhdE1yNUNRODBuRE1YakdYX0VJUWdqUUdZLWluLWEzMk1ETnFCRnU3LU0wNVNjYi0zRVUzb0tSNXhKVUVTWHpKdmtKaXRsQQ?oc=5) · KSL.com
- 2026-08-18 [DLP Bank Makes Inc. 5000 for Third Straight Year - citybiz](https://news.google.com/rss/articles/CBMijwFBVV95cUxOb1kyd2xYRlpJQk80SWFCam5LUTNrd2sxa3F4bnNlVVlQT0xYNFYyVzUzTW11WnVfYUR5SEJhb3Nnb2JBTl9mSFRfM1l2dnFjNjhqQ2NpQ3dya21ONF9IQ1FUZVY0SktOVmtOMFBNdExQSkpnVF9HNnV0UHhsVl9ZVnJMdjQ2d3N6WHN2eW05MA?oc=5) · citybiz
- 2025-11-05 [The Community State Bank Announces Leadership Transition: Bob Oliver Named CFO Emeritus; Jackie Perez Appointed Chief Financial Officer - OKW News](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQaGlmVHdXS1RmVFJPUzYwR3FPYS1DVXJlQ3NyRWNidVdSeXhPVlBwam9SV0NQWnYyb0NRTV9DNVRZdDBidi1yTUdtUHBKMzBEcEx5R05BS0MyaHotaF9pY1NVWVk4a0VlTXRWQ2k0My16enZfZ1pyTExVc1ZaN0xRS2UtSFBubTZDU2FMMUZsenNla0l6aUdIZkdtTzV0WGNTNF84UlRjYnFCbnJ0YXkzd0wyV2dMOEladk5EbTZHdE1fel9zc3NGUGhhRUFBLTlHOWpuTTNxNG5CTXpTamUzZmZKYjBBM21tdzMtRjAzV3lkemNuN1JLRFM3OA?oc=5) · OKW News
- 2025-12-20 [America250PA bell unveiled - huntingdondailynews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPUWdUUUw1NzVHQm9Sc0lhSzFEVlpTZ1hndlBpbno5SVZBLVdFb0Rjc2VKWjFEdTh0NzE5cG9CZXBQYjVka3p1X1RveDkyNGZnMGJ3bmZSZlRaZXNXTmxPVWFhbE00RU5TYkdRa2FOd3VJWEhod1d3MjhPcVhpOWdfVnExSHRrNjVmczFQM2d0WkZnS25tY1ZGYUdCSW9mODBiOGQ5ejlNU3gwaDB5LVMyR2JwWkVGOUpGRGFHNURRX0s?oc=5) · huntingdondailynews.com
- 2021-09-14 [Local bank president named Chairman of the Community Bankers Association of Oklahoma - Guthrie News Page](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlJ5aWZpNklUN3JPWnhrdExjRndBREQtNEJTTURFQzhmUURTY3ROUWVxM21GTVlHRWpyRmlzWmg2azkzTElBVHN6ZTlBUmVGcHBsU1RGaVFGbzYxRGs2cXAwNUppLWlwRWl5MmdtSHZRbnI1ZnJ4SEU4ZVBQM085SWFXRmxmVms2c2lQNE83RnctTkFfOXlVVmZSUDJHMVN5ZlkzaWdLeXVyblhYMS1wNkVqZw?oc=5) · Guthrie News Page
- 2020-10-06 [Acquisition under the radar: Credit unions resume community bank deals - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdFJIU2s2VXVKRzd2V05DTlhlRXE3ckJHaVczTkNWdGFFOFRpWW00Q3NrSXdGcUZBSzltUEhISlkydExIaGNZTFBWVW96cFZqaFpoaXQxeE8ydFJsMWZJYUJRSGEzWFVtTnVFbXlwSTdZV3JyT0ROTEdqbloxeWxrWDJTNHBmaVlOTTlhdGwtZWY?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20279 (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/55.json (key "20279", 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