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The Community State Bank
Poteau, OK · FDIC Certificate #20279 · Chartered 10/1
Total assets
$393.11M
Total deposits
$363.31M
Total equity
$28.38M
Net loans
$288.15M
Branches (offices)
6
Net income (YTD)
$1.63M
Rank: #2,088 of 4,213 U.S. banks by assets · #66 of 168 in Oklahoma. Assets changed 9.7% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.84% |
| Return on equity | 11.67% |
| Net interest margin (YTD) | 4.54% |
| Equity to assets | 7.22% |
| Tier 1 leverage ratio | 9.05% |
| Uninsured deposits (share of deposits) | 23.8% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 75.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $218.26M | 75.7% | |
| Commercial & industrial | $27.85M | 9.7% | |
| Consumer / individual | $18.32M | 6.4% | |
| Construction & development | $27.09M | 9.4% | |
| Agricultural | $23.32M | 8.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $337.36M | $304.27M | $1.34M | $17.81M |
| Jun 2023 | $341.23M | $312.88M | $561.00K | $19.71M |
| Jun 2024 | $351.99M | $317.25M | $1.42M | $22.09M |
| Jun 2025 | $358.35M | $333.96M | $1.85M | $22.91M |
| Jun 2026 | $393.11M | $363.31M | $1.63M | $28.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $363.31M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $363.31M.
Similar-sized banks
Trusttexas Bank, SSB ($393.49M) · Unibank ($393.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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