TellerScore

Community State Bank is a state-chartered bank headquartered in Lamar, Colorado, in business for about 18 years. At the end of Q2 2026 it reported $208.1M in total assets and $177.6M in deposits, with 2 offices.

Community State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 18th. Earnings contributes the most (98/100, 1.96%); funding & liquidity contributes the least (65/100, 94% loans-to-deposits, 15% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.54%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 15.3% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.15%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

TellerScore
788489Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202489
Q3 202483
Q4 202483
Q1 202580
Q2 202578
Q3 202579
Q4 202581
Q1 202679
Q2 202678
Tier 1 leverage ratio
5.00%9.39%13.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.79%
Q3 202413.63%
Q4 202413.31%
Q1 202512.53%
Q2 202512.56%
Q3 202512.65%
Q4 202513.00%
Q1 202612.26%
Q2 202612.54%
Noncurrent loans
0.25%0.66%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.89%
Q4 20240.73%
Q1 20250.89%
Q2 20251.08%
Q3 20251.01%
Q4 20250.90%
Q1 20260.79%
Q2 20260.90%
Return on assets
1.86%2.08%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.31%
Q3 20242.24%
Q4 20242.17%
Q1 20252.11%
Q2 20252.20%
Q3 20252.19%
Q4 20252.13%
Q1 20261.86%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$208.1M12.54%0.90%1.96%94.5%
Q1 202679$212.2M12.26%0.79%1.86%86.3%
Q4 202581$199.5M13.00%0.90%2.13%91.9%
Q3 202579$202.3M12.65%1.01%2.19%87.1%
Q2 202578$198.0M12.56%1.08%2.20%87.7%
Q1 202580$193.7M12.53%0.89%2.11%85.3%
Q4 202483$190.0M13.31%0.73%2.17%92.7%
Q3 202483$176.7M13.63%0.89%2.24%92.4%
Q2 202489$170.7M13.79%0.25%2.31%93.0%

2,650 peers · $100 million – $1 billion

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 ratio12.54%
70th
Total risk-based capital15.42%
70th
Problem loans0.90%
31st
Net charge-offs0.02%
39th
Return on assets1.96%
86th
Net interest margin4.42%
76th
Efficiency ratio44.7%
91st
Loans to deposits94.5%
17th
Uninsured deposits15.3%
81st
Loan-loss reserves2.61%
97th
Texas ratio5.1%
35th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Verus Bank of CommerceBank Fort Collins, CO84 out of 100, Strong$202.4M18.5%0.00%vs
The Citizens State Bank of OurayBank Ouray, CO67 out of 100, Moderate$231.2M8.4%0.00%vs
Home Loan State BankBank Grand Junction, CO68 out of 100, Moderate$235.3M7.9%0.00%vs
First Pioneer National BankBank Wray, CO56 out of 100, Moderate$243.4M12.5%2.79%vs
Bank of Estes ParkBank Estes Park, CO76 out of 100, Strong$171.9M10.8%0.00%vs
Equitable Savings and Loan AssociationBank Sterling, CO75 out of 100, Strong$168.3M15.7%0.22%vs

Deposit insurance

Is my money safe at Community State Bank?

Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #58732). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.3% of deposits ($27.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.42% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community State Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community State Bank
Type
State-chartered bank
FDIC certificate #
58732
RSSD ID
3617856
Primary regulator
FDIC
Holding company
Community State Bankshares Inc
Established
July 15, 2008
Headquarters
717 N Main St, Lamar, CO 81052
Employees
24

Quick answers

Community State Bank: common questions

Is Community State Bank FDIC insured?

Yes. Community State Bank is an FDIC-insured institution (FDIC certificate #58732). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community State Bank's TellerScore?

78 out of 100 (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 #58732 in the FDIC failed bank list.

How many branches does Community State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lamar

InstitutionScoreAssetsCapitalProblem loansCompare
McClave State BankBank Mcclave, CO89 out of 100, Very strong$78.9M14.0%0.00%vs
Peoples Credit UnionCredit union Springfield, CO89 out of 100, Very strong$75.0M19.4%0.16%vs
Frontier BankBank Lamar, CO81 out of 100, Strong$436.4M10.8%0.32%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
The Colorado Bank and Trust Company of La JuntaBank La Junta, CO69 out of 100, Moderate$330.3M10.3%0.30%vs
Fellowship Credit UnionCredit union Lamar, CO66 out of 100, Moderate$64.6M11.1%0.86%vs