# COMMUNITY STATE BANK
LAMAR, CO · FDIC certificate 58732 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $208.1M | |
| Deposits | $177.6M | |
| Loans and leases | $172.3M | |
| Total equity | $25.8M | |
| Loans / deposits | 94.48% (p87 of band) | 73.59% |
| Liquid assets / assets | 15.70% (p13 of band) | |
| Uninsured deposits / deposits | 15.28% (p32 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.83% (p58 of band) | |
| FHLB advances / assets | 1.83% | |
| Tier 1 leverage | 12.54% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -1.05% (p77 of band) | -6.57% |
| AOCI / equity | -0.73% (p35 of band) | |
| ROA (annualized) | 1.96% (p85 of band) | 1.17% |
| Net interest margin | 4.42% (p73 of band) | 3.93% |
| Efficiency ratio | 44.71% (p7 of band) | |
| Noncurrent loans | 0.90% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | 289.09% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 1.53% (p22 of band) | |
| Auto loans | $6.2M (3.62% of loans; DQ 5.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 24 | |

## 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 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 |  | deposits shrinking, assets shrinking |
| 2015-03 | 3 | deposits shrinking, assets shrinking |  |
| 2015-06 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 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
- 2026-08-27 [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
- 2026-07-20 [Community State Bank volunteers return for Racine County Fair; Mega Ride Passes on sale through July 28 - Racine County Eye](https://news.google.com/rss/articles/CBMidkFVX3lxTE9fQjhkTDROZVdSTXYxcE5IQWEybGZzQVdQbzNaVnJPZGhQSUU1UWtUZUFsU3hsLWVQWnFuRk1yR0pFU0wtSzNNd0JjbVVvMldiMW42eGFhNkl3djFQdkZuWDdrQVRVLVF1cmdVbUV5VGFEd3N6a0E?oc=5) · Racine County Eye
- 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
- 2025-11-25 [State finds probable cause of religious discrimination towards former Community State Bank employee - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPUi1BNmpVZ1MzSkRIcUJVMTFLOFhNbTRZcWdSMzc0aG4xaEV3TVlXQmpUOEZZVTJyb01aUVp1aHBENDZUbTZHblpRTnNFQVFLaUE1MVVNSXVpMTdNTlg3UDQ2WEFNRkthY1NxeHo0RlI4VFcxRDd4RzFfMDZRMEJRWlB1bVp6TmVHcC1faGZzQ0JBWlE5ams3MmNXSEt0UDI4bmQ5VnN5YkJOUHVvek5WVmsxeW9vRzgwaTJTMy1R?oc=5) · BizTimes - Milwaukee Business News
- 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
- 2026-09-01 [NBA Veteran Harrison Barnes Buys Bank In His Home State Of Iowa For $25M - afrotech.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX0g0eFdXSFpNVGJfMkFfYXNpVXpQQVBOUndGNXAwSVNrenB3a3JYbkQ3cmVYU0pBQWRNbXkzbjBKTEp6MEhaQi1BWlk3UTludUVhQ3UybndxVVZiSnhfVjc5ZFNGakIyaHZuRjZ5TndNYTd4SGxLZjZUdmhLZmNsSDhBOVNQbnBCNERoMUliU0RtY3IxejQw?oc=5) · afrotech.com
- 2025-12-20 [America250PA bell unveiled - huntingdondailynews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPUWdUUUw1NzVHQm9Sc0lhSzFEVlpTZ1hndlBpbno5SVZBLVdFb0Rjc2VKWjFEdTh0NzE5cG9CZXBQYjVka3p1X1RveDkyNGZnMGJ3bmZSZlRaZXNXTmxPVWFhbE00RU5TYkdRa2FOd3VJWEhod1d3MjhPcVhpOWdfVnExSHRrNjVmczFQM2d0WkZnS25tY1ZGYUdCSW9mODBiOGQ5ejlNU3gwaDB5LVMyR2JwWkVGOUpGRGFHNURRX0s?oc=5) · huntingdondailynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58732 (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/44.json (key "58732", 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