# COMMUNITY STATE BANK
SHELBINA, MO · FDIC certificate 22567 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (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 | $132.8M | |
| Deposits | $109.2M | |
| Loans and leases | $93.3M | |
| Total equity | $15.6M | |
| Loans / deposits | 84.51% (p70 of band) | 73.59% |
| Liquid assets / assets | 28.63% (p40 of band) | |
| Uninsured deposits / deposits | 26.29% (p73 of band) | 19.81% |
| Brokered deposits | 1.51% | |
| Wholesale funding | 7.25% (p79 of band) | |
| FHLB advances / assets | 5.73% | |
| Tier 1 leverage | 12.05% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -3.42% (p63 of band) | -6.57% |
| AOCI / equity | -0.73% (p35 of band) | |
| ROA (annualized) | 1.78% (p79 of band) | 1.17% |
| Net interest margin | 3.83% (p45 of band) | 3.93% |
| Efficiency ratio | 37.85% (p2 of band) | |
| Noncurrent loans | 0.10% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.14% (p90 of band) | |
| Reserve coverage of noncurrent | 1059.79% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 21.62% (p55 of band) | |
| Auto loans | $9.9M (10.59% of loans; DQ 4.24%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | NIM <2.5% |  |
| 2014-06 | 1 | uninsured deposits leaving | NIM <2.5% |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 0 |  | capital falling, charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2019-03 | 1 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2019-06 | 1 | reserve under noncurrent | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | capital falling | reserve under noncurrent |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

## 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 - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYlFjeGFPUWFtWWd2MDVXX05reU1wQzJ5eFlEcUh5UUxXRUN3QUlZNEdIUTlEd2dqQ0RBM0RNeF9HV1EwTmthZm9pUndjX0xYMVg0ZVo2SjdZWllfTTZUdTJDcy1pajFIODBPc2l1V09hQlhxRVVUaWhXbk51M3BwY0l0aGZLYzFDbzVTTlMzNUZ4OUhkQ3ZELXZXVlBCOWJrNy1sakdjZjQtQWJnY0xNdTNrZkR3czdmTHhHR1JsbHBKZDNvanNPcUZCbTdGNzQ?oc=5) · raccoonvalleyradio.com
- 2023-10-16 [Community State Bank Names Thomas J. Fontaine as President and Chief Executive Officer - Business Wire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOUUV0MFFQR2p6R1VQdXM3elhySFBkX2hSMFpsY2wxa1FtSF9qVlR1RFhaRENRWlBXUEo5U0I2UUhkeEYzTzhaSWdYbXdxWWdBVFNXMmhCMFh4VkdHZE94VzQxdU5EeEhwZDVVWnMxc1RrS2V3ZG5UVEo2YXpxbkR0YVZoY09pTkVzTDVlREdvM1Y4czFVOVhhYk51Q2RRZFFkUTZSemtUd3ZtWXdPc1FvdEVDZ0s2eGNuNWlkX19RTDF5X0pMZHp6dW1uRk5yV3d5VmptOG92VXVFR3c?oc=5) · Business Wire
- 2024-11-29 [Celebrating Generations of Compassionate Banking - City Lifestyle](https://news.google.com/rss/articles/CBMiYkFVX3lxTE92djB4Y2g3Sk9rZ1hFMUFtS2JINFk1U0I4Ukkyc0dLaHFHTS1pQ0lSMm96cGwxcXphM3ZudkhmUzhFS3VBRjd5OWZ0UUE4ZmVwNlBaWEo0OTk5bVk0dVI5b1FB?oc=5) · City Lifestyle
- 2024-10-15 [Banks in Southeast Missouri compete to raise food and money - KFVS12](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMUpSZFc3WDN3aHhUV3hza1RpUkp3ZWVsMzRJQzY5dXNNX3ZNajFzc3JOZnVaTmM1aWVPRC0yQi1KM18zR0R2SERfS2M2ZllTS1dkWG4yUUpHQkpMTy1kdXJIQkVZWHNUbVEycFZLQVA0WTV6VzFIWUVRUWpQUXJ6RjMzVkZoZTVjSXduUtIBoAFBVV95cUxQQlg2UElPWTJ5blM1N202dnZuQXpXSGZEM2NTaTJmbVduSG5EczRvWWlNVHNtOWUtM0xYU29tNVljazhLcGFLVlV2bE9oSzJQOHVyNjBmRGhweVV3bE5KaG5TZDYyLV9WTmF3dUpMejRxUkF6c1BtNy1pVzFGS1FhUWdjcl9UOXY5dnRSQS1nQUFWTmhwcnAyUHhabklGZ3lx?oc=5) · KFVS12
- 2022-09-15 [DLP Bancshares acquires Community State Bank in Starke - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMipgFBVV95cUxNaWVoYjJ6dHNIWnAzUFEwZXc5V2NGdG9yWS1ocWpHcDcydjVxdTZPOWFMdXRTUnBuU0RBbENuUE5VWU54UGJfRkpnUzY2ZVo3QUExQTlmUkZjX3RadGtwV1FrRlVJSFUtM09NeEdDQkVneGx4UVlQRW8xek5CdERBaDUzTkxUSUgzNzdla1h4MXFGbUZBTFZGV0xSVkNTbFVZNkdjOVVR?oc=5) · Jacksonville Daily Record
- 2021-11-09 [QCR Holdings strikes $152 million deal to expand in Missouri - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNU280bDNlaDhlYWhrdS1ucEpOQ0pDNTY3MGx4NTNlSGZVRHI4Wkd4X0pweTZ0X3Q4VDZ3Nk4xSjg3U0o4N1drME1lYXhuRVp6SGxqUTRfdU1rSHdYRm5NUGRqbHhmd2QyWm9NZHk2bF9KVUttX0dFZ25xcTUybWQtQ0RWOTVObTl1OHphUkFKUDdQYld6WVRkRWtnRE9kZw?oc=5) · American Banker
- 2022-04-04 [QCR Holdings acquires Guaranty Federal - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMiekFVX3lxTFBjN2NVSGlzemQ0U2pJYmV6V2U1S2o2VjFwLTFrQkJrN0EwVEFyNFluY3Vhc1NPb1BKbW1mY0FzSzJWNF80MklSUVdnbkZQTTRVXzA0VmhVV19IVHA0bWZIZEpZZWlpekt5T3FPN3Ezem5ZTzZENm1VN0lR?oc=5) · Quad Cities Business Journal
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22567 (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/39.json (key "22567", 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