# COMMUNITY STATE BANK
COLON, NE · FDIC certificate 8323 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $43.5M | |
| Deposits | $38.6M | |
| Loans and leases | $25.2M | |
| Total equity | $4.1M | |
| Loans / deposits | 63.76% (p35 of band) | 72.79% |
| Liquid assets / assets | 40.72% (p64 of band) | |
| Uninsured deposits / deposits | 15.73% (p35 of band) | 19.24% |
| Brokered deposits | 4.58% | |
| Wholesale funding | 4.58% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.05% (p27 of band) | 11.81% |
| Unrealized securities loss / equity | -2.64% (p66 of band) | -7.16% |
| AOCI / equity | 2.42% (p42 of band) | |
| ROA (annualized) | -1.19% (p3 of band) | 1.07% |
| Net interest margin | 3.35% (p28 of band) | 3.81% |
| Efficiency ratio | 135.41% (p98 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 7175.00% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $349,000 (1.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 3 | wholesale funding >15%, capital falling |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 6 | leverage <7%, leverage <5%, assets shrinking |  |
| 2012-06 | 5 | losing money, expense ratio p90, NIM <2.5%, charge-offs p90 | capital falling, leverage <7%, leverage <5%, assets shrinking |
| 2012-09 | 4 | assets shrinking | reserve under noncurrent, expense ratio p90 |
| 2012-12 | 4 | expense ratio p90, uninsured deposits leaving | NIM <2.5%, charge-offs p90 |
| 2013-03 | 3 | NIM <2.5% | assets shrinking, uninsured deposits leaving |
| 2013-06 | 4 | reserve under noncurrent |  |
| 2013-09 | 4 | wholesale funding >15% | reserve under noncurrent |
| 2013-12 | 6 | reserve under noncurrent, deposits shrinking |  |
| 2014-03 | 6 | noncurrent p90, uninsured deposits leaving | losing money, wholesale funding >15% |
| 2014-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 4 | wholesale funding >15%, losing money | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 6 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking | expense ratio p90, NIM <2.5%, wholesale funding >15%, losing money, capital falling, uninsured deposits leaving |
| 2015-06 | 4 | wholesale funding >15%, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2015-09 | 5 | loans exceed deposits |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 | capital falling | wholesale funding >15%, loans exceed deposits |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking, capital falling |
| 2016-09 | 2 | wholesale funding >15%, expense ratio p90 | uninsured deposits leaving |
| 2016-12 | 3 | loans exceed deposits, capital falling | expense ratio p90 |
| 2017-03 | 0 |  | wholesale funding >15%, loans exceed deposits, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | expense ratio p90 |  |
| 2017-12 | 6 | brokered >10%, wholesale funding >15%, capital falling, losing money, uninsured deposits leaving |  |
| 2018-03 | 2 |  | brokered >10%, wholesale funding >15%, losing money, uninsured deposits leaving |
| 2018-06 | 2 | losing money | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2019-03 | 6 | capital falling, NIM <2.5%, uninsured deposits leaving | losing money |
| 2019-06 | 3 |  | brokered >10%, NIM <2.5%, uninsured deposits leaving |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 0 |  | expense ratio p90, wholesale funding >15% |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 | brokered >10% | capital falling |
| 2020-12 | 0 |  | brokered >10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 0 |  | NIM <2.5%, capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-09 | 2 | uninsured deposits leaving |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | losing money, assets shrinking |  |
| 2025-06 | 0 |  | deposits shrinking, uninsured deposits leaving, losing money, assets shrinking |
| 2025-09 | 2 | losing money, expense ratio 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
- 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
- 2026-03-13 [The Community State Bank Recognizes Leadership with Promotions at Annual Board Meeting. - okwnews.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVzJQd3BpMy0yT0Y1YzMyMXpJZWdHUGFSUHdnMEtVY0UxN0VxT2xqX0U0OWFnaGpVaWUwQjdsdDloQ29KOEo2M1lCOFFTcGNfaEtVXzBYZ0wxVGt2bmtXQVZBb3FIVk9XNzlHc2JsTElRd3dsN0NST2o4c2lHYXNEN09HUDE2NW9JY0tXLUg2akZvZnNhZUdTUi1MSlVRMmd1VGdKbTI5ZkJVZVgtYlJiU05XZDJRT0U4cGtWXw?oc=5) · okwnews.com
- 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
- 2026-08-19 [Harrison Barnes is the Proud New Owner of Community State Bank in Paton - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQUd1bTB3LXFqcWo2TTk1RWM3ODhJN05hS25LazVva21MQV9URXlLV2VHOXRCZHhQRG5pdGVTbEk1aE85T3NuWmtGbWhoN05jZ2pSRUZZWUQyM2thdTZKdXZtRk50RUJIanVCMlJvanhZM1JVMUFFTE9pRzRaTnkxMTNXMHZZTlRVVlBCNktKV3A1VzBMWldZMGxDZzR2WFllUTZOendWcnEwODUydVl0YkFQZ3dNSXRuT2c?oc=5) · raccoonvalleyradio.com
- 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
- 2026-06-12 [Community State Bank in Paton to be Purchased by NBA Star with Iowa Roots - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZU0tRGhvRmszRmhpMUc2Tk5wWmhENWJSZ3R1T3ExM2ZLT3pDT3QxQ19kOFhDZ2FLeGYxdXlRcl9GREVIQjhOZWhNVnM5UXMxTjlDdEJxVzFXdkxBckNvQWYxMlM5dDlOOXdYWVA1ZDhyV2FtYXlXQkY2RTlBMVh1WDg3R1BXOXpzc1JCYmw2WWxYRG5kX1Zwdi1vT05VRTN6eWh6Z2xrSUlEdnFqbDV6ekVJZ0ItSkgxdzVEeQ?oc=5) · raccoonvalleyradio.com
- 2024-08-28 [Community State Bank plans new four-story headquarters near Costco in Ankeny - The Des Moines Register](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNcFNfU3VYWEhPWWRGaHl4a1FXTzRJV29EX2NBODktazV1Mk1uc0dpOHo3VlhWYmpXWU1fbklLUUhESEpWWGx4RlNIY3VDblljTU1YUmd1cklNY3kxYno2ZmE2WVloM3JNMmNsNDZFQ3RfQVZHNnBfTGs4M3RWX3BZNUF2Mk9PWXhxRF9JdGFwaTAzQkFMbEowU3llbkFOa0NDTWRpdGJSNWk3QXQxN1pqSDg5cGFOV3NocEpfNG92VTh4WTdRZVNyZXVJTEJkOE1TMnAweHk0VUV6Z0FXR3FrM0JhLXhIbUR1d2dlSFJtZXFaUQ?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8323 (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/3.json (key "8323", 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