# COMMUNITY STATE BANK
SPENCER, IA · FDIC certificate 230 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $345.8M | |
| Deposits | $295.5M | |
| Loans and leases | $158.6M | |
| Total equity | $29.3M | |
| Loans / deposits | 52.93% (p8 of band) | 82.04% |
| Liquid assets / assets | 50.85% (p93 of band) | |
| Uninsured deposits / deposits | 28.59% (p61 of band) | 25.97% |
| Brokered deposits | 3.81% | |
| Wholesale funding | 9.21% (p75 of band) | |
| FHLB advances / assets | 5.40% | |
| Tier 1 leverage | 10.47% (p44 of band) | 10.81% |
| Unrealized securities loss / equity | -36.51% (p9 of band) | -8.10% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.42% (p59 of band) | 1.28% |
| Net interest margin | 3.23% (p17 of band) | 3.91% |
| Efficiency ratio | 55.05% (p31 of band) | |
| Noncurrent loans | 1.24% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 110.87% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 5.16% (p9 of band) | |
| Auto loans | $1.4M (0.90% of loans; DQ 0.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 37 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 0 |  | capital falling, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | wholesale funding >15%, capital falling | reserve under noncurrent |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 1 |  | uninsured deposits leaving |
| 2017-12 | 1 | capital falling | wholesale funding >15% |
| 2018-03 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 |  | wholesale funding >15% |
| 2018-12 | 1 | capital falling | charge-offs p90 |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2020-06 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2023-09 | 5 | AOCI drag >20% of equity |  |
| 2023-12 | 5 | capital falling | AOCI drag >20% of equity |
| 2024-03 | 3 |  | deposits shrinking, capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 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=230 (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/38.json (key "230", 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