TellerScore

Headquartered in Paton, Iowa, Community State Bank is a state-chartered bank with $41.4M in total assets and $33.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.

Community State Bank has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 19th. Capital cushion contributes the most (100/100, 20.23%); earnings contributes the least (43/100, 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 20.23%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 39.4% · 4.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 26 points (63 → 89), mostly because the loan quality component improved by 100 points.

TellerScore
597489Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202460
Q1 202559
Q2 202563
Q3 202587
Q4 202587
Q1 202686
Q2 202689
Tier 1 leverage ratio
5.00%12.61%20.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202418.92%
Q3 202419.24%
Q4 202419.54%
Q1 202519.63%
Q2 202519.99%
Q3 202519.96%
Q4 202519.40%
Q1 202619.74%
Q2 202620.23%
Noncurrent loans
0.00%3.24%6.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20246.06%
Q3 20245.94%
Q4 20245.78%
Q1 20256.48%
Q2 20254.10%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.27%0.47%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.62%
Q4 20240.46%
Q1 20250.32%
Q2 20250.66%
Q3 20250.40%
Q4 20250.35%
Q1 20260.27%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$41.4M20.23%0.00%0.57%39.4%
Q1 202686$42.8M19.74%0.00%0.27%39.3%
Q4 202587$42.8M19.40%0.00%0.35%40.9%
Q3 202587$41.8M19.96%0.00%0.40%40.8%
Q2 202563$42.0M19.99%4.10%0.66%39.6%
Q1 202559$41.9M19.63%6.48%0.32%40.8%
Q4 202460$41.5M19.54%5.78%0.46%46.1%
Q3 202462$42.6M19.24%5.94%0.62%44.1%
Q2 202461$43.1M18.92%6.06%0.62%43.6%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.23%
86th
Total risk-based capital40.18%
90th
Problem loans0.00%
84th
Net charge-offs-0.12%
95th
Return on assets0.57%
29th
Net interest margin2.77%
11th
Efficiency ratio78.7%
34th
Loans to deposits39.4%
83rd
Uninsured deposits4.8%
92nd
Loan-loss reserves0.39%
5th
Texas ratio0.0%
85th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Cornerstone BankBank Clarinda, IA83 out of 100, Strong$42.0M15.2%0.47%vs
State Bank of SchallerBank Schaller, IA59 out of 100, Moderate$40.6M13.3%3.69%vs
Defiance State BankBank Defiance, IA68 out of 100, Moderate$42.6M9.9%0.08%vs
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Farmers State BankBank Lake View, IA87 out of 100, Very strong$36.7M13.1%0.00%vs
The First National Bank of PrimgharBank Primghar, IA84 out of 100, Strong$36.3M14.3%0.00%vs

Deposit insurance

Is my money safe at Community State Bank?

Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #17551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.8% of deposits ($1.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 20.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.18% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Community State Bank lists 1 office in 1 city. Most locations:

  • Paton, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community State Bank
Type
State-chartered bank
FDIC certificate #
17551
RSSD ID
92144
Primary regulator
FDIC
Established
February 15, 1956
Headquarters
207 S Main St, Paton, IA 50217
Employees
5

Quick answers

Community State Bank: common questions

Is Community State Bank FDIC insured?

Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #17551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community State Bank's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community State Bank ever failed?

There is no failure record for FDIC certificate #17551 in the FDIC failed bank list.

How many branches does Community State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Paton

InstitutionScoreAssetsCapitalProblem loansCompare
Security Savings BankBank Gowrie, IA89 out of 100, Very strong$193.7M13.2%0.04%vs
Heartland BankBank Somers, IA79 out of 100, Strong$256.1M13.2%0.81%vs
Rolling Hills Bank & TrustBank Atlantic, IA77 out of 100, Strong$484.4M11.8%0.30%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs
Peoples BankBank Clive, IA65 out of 100, Moderate$529.6M8.1%0.15%vs
Visionbank of IowaBank Ames, IA64 out of 100, Moderate$896.1M9.4%0.71%vs