Community State Bank is a state-chartered bank headquartered in Hennessey, Oklahoma, in business for about 38 years. At the end of Q2 2026 it reported $89.7M in total assets and $82.8M in deposits, with 3 offices.
Based on its Q2 2026 filing, Community State Bank scores 41/100, which we describe as below average. That is higher than only 4% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 159th. Its strongest component is funding & liquidity (94/100; 33% loans-to-deposits, 20% uninsured), and its lowest is loan quality (5/100; 2.85%).
TellerScore · Q2 2026
Scorecard
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 fell 14 points (55 → 41), mostly because the loan quality component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 59 |
| Q4 2024 | 59 |
| Q1 2025 | 55 |
| Q2 2025 | 55 |
| Q3 2025 | 55 |
| Q4 2025 | 45 |
| Q1 2026 | 43 |
| Q2 2026 | 41 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.48% |
| Q3 2024 | 7.95% |
| Q4 2024 | 7.87% |
| Q1 2025 | 7.91% |
| Q2 2025 | 7.79% |
| Q3 2025 | 7.99% |
| Q4 2025 | 8.28% |
| Q1 2026 | 7.88% |
| Q2 2026 | 7.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 1.66% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.53% |
| Q4 2025 | 2.81% |
| Q1 2026 | 2.77% |
| Q2 2026 | 2.85% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.21% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $89.7M | 7.49% | 2.85% | 0.79% | 32.7% |
| Q1 2026 | 43 | $87.4M | 7.88% | 2.77% | 0.72% | 35.1% |
| Q4 2025 | 45 | $79.5M | 8.28% | 2.81% | 0.80% | 38.3% |
| Q3 2025 | 55 | $81.3M | 7.99% | 1.53% | 0.82% | 38.9% |
| Q2 2025 | 55 | $85.8M | 7.79% | 1.41% | 0.86% | 35.6% |
| Q1 2025 | 55 | $83.8M | 7.91% | 1.45% | 0.79% | 34.6% |
| Q4 2024 | 59 | $80.8M | 7.87% | 1.42% | 1.21% | 38.8% |
| Q3 2024 | 59 | $83.8M | 7.95% | 1.66% | 1.38% | 37.1% |
| Q2 2024 | 75 | $87.7M | 7.48% | 0.03% | 1.72% | 33.6% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Watonga, OK | 82 out of 100, Strong | $89.8M | 13.2% | 1.28% | vs |
| The State Exchange BankBank Lamont, OK | 42 out of 100, Below average | $89.6M | 10.7% | 6.88% | vs |
| The First National Bank of HookerBank Hooker, OK | 65 out of 100, Moderate | $91.2M | 16.3% | 2.96% | vs |
| Bank of EufaulaBank Eufaula, OK | 68 out of 100, Moderate | $87.1M | 12.1% | 0.46% | vs |
| Southwest Bank of WeatherfordBank Weatherford, OK | 68 out of 100, Moderate | $86.0M | 13.5% | 2.47% | vs |
| AllNations BankBank Calumet, OK | 37 out of 100, Low | $84.5M | 8.3% | 7.87% | vs |
Deposit insurance
Is my money safe at Community State Bank?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #27201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.4% of deposits ($16.9M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.65% (benchmark: 10%).
3 locations
Branches
Community State Bank lists 3 offices in 3 cities. Most locations:
- Cashion, OK (1)
- Dover, OK (1)
- Hennessey, OK (1)
Identity & history
Profile
- Legal name
- Community State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 27201
- RSSD ID
- 1176920
- Primary regulator
- FDIC
- Holding company
- Warrior Bank Corp Inc
- Established
- March 24, 1988
- Headquarters
- 525 N Main St, Hennessey, OK 73742
- Website
- www.mycsb.com
- Employees
- 19
Quick answers
Community State Bank: common questions
Is Community State Bank FDIC insured?
Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #27201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community State Bank's TellerScore?
41 out of 100 (Below average), 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 #27201 in the FDIC failed bank list.
How many branches does Community State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hennessey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Cleo State BankBank Cleo Springs, OK | 80 out of 100, Strong | $122.5M | 16.4% | 2.12% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
| First Bank & Trust CompanyBank Perry, OK | 78 out of 100, Strong | $255.2M | 11.3% | 0.73% | vs |
| The Security National Bank of EnidBank Enid, OK | 73 out of 100, Strong | $400.4M | 8.7% | 0.14% | vs |