What is The Community State Bank's financial health grade?

The Community State Bank has a TFS Financial Health Grade of C (score: 74.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Community State Bank have?

The Community State Bank has 6 branch locations across the United States.

Is The Community State Bank FDIC insured?

Yes, The Community State Bank is FDIC insured (Certificate #20279).

What are the total assets of The Community State Bank?

The Community State Bank has total assets of $379.8M as reported in its most recent FDIC filing.

The Community State Bank

BankPoteau, Oklahoma

www.thecommunitysb.com

Total Assets

$379.8M

Total Deposits

$351.5M

Branches

Established

1970

TFS Health Grade

74.8 / 100

Average financial health

How we grade

The Community State Bank is a bank headquartered in Poteau, Oklahoma, established in 1970. With $379.8M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.38%(8%)

Total Capital Ratio

13.81%(10%)

Non-Performing Loan Ratio

0.45%

Profitability

Return on Assets (ROA)

0.94%(1%)

Return on Equity (ROE)

14.11%(10%)

Net Interest Margin

4.52%

Efficiency Ratio

74.73%(60%)

Lending & Liquidity

Total Loans

$277.8M

Loan-to-Deposit Ratio

78.04%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+8.96%

Deposit Growth (YoY)

+8.40%

Net Income

$3.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Community State BankHQ	1409 N Broadway St	Poteau	OK	11
The Community State Bank	3108 N Broadway St	Poteau	OK	12
The Community State Bank	617 W Broadway St	Spiro	OK	11
The Community State Bank	902 Dallas St	Talihina	OK	11
The Community State Bank	1207 Highway 2 N	Wilburton	OK	11
The Community State Bank	405 Us Highway 271	Wister	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.