Headquartered in Poteau, Oklahoma, The Community State Bank is a state-chartered bank (fed member) with $393.1M in total assets and $363.3M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1970.
Based on its Q2 2026 filing, The Community State Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 104th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is capital cushion (41/100; 9.05%).
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 3 points (69 → 66), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 45 |
| Q4 2024 | 43 |
| Q1 2025 | 69 |
| Q2 2025 | 69 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.89% |
| Q3 2024 | 9.24% |
| Q4 2024 | 9.40% |
| Q1 2025 | 9.18% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.34% |
| Q4 2025 | 9.38% |
| Q1 2026 | 9.14% |
| Q2 2026 | 9.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 2.41% |
| Q4 2024 | 2.59% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.02% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $393.1M | 9.05% | 0.26% | 0.84% | 79.3% |
| Q1 2026 | 65 | $390.2M | 9.14% | 0.35% | 0.82% | 77.5% |
| Q4 2025 | 66 | $379.8M | 9.38% | 0.45% | 0.94% | 78.0% |
| Q3 2025 | 67 | $366.7M | 9.34% | 0.22% | 0.83% | 78.6% |
| Q2 2025 | 69 | $358.3M | 9.29% | 0.20% | 1.02% | 78.1% |
| Q1 2025 | 69 | $377.6M | 9.18% | 0.16% | 0.93% | 72.7% |
| Q4 2024 | 43 | $348.5M | 9.40% | 2.59% | 0.82% | 78.1% |
| Q3 2024 | 45 | $352.6M | 9.24% | 2.41% | 0.86% | 80.3% |
| Q2 2024 | 64 | $352.0M | 8.89% | 0.34% | 0.81% | 80.3% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State Bank of OklahomaBank Wewoka, OK | 79 out of 100, Strong | $388.2M | 12.4% | 0.69% | vs |
| The Security National Bank of EnidBank Enid, OK | 73 out of 100, Strong | $400.4M | 8.7% | 0.14% | vs |
| McCurtain County National BankBank Broken Bow, OK | 75 out of 100, Strong | $384.2M | 15.7% | 1.64% | vs |
| Anchor D BankBank Texhoma, OK | 80 out of 100, Strong | $404.5M | 10.5% | 0.00% | vs |
| Exchange Bank and Trust CompanyBank Perry, OK | 65 out of 100, Moderate | $428.7M | 10.8% | 1.59% | vs |
| The Pauls Valley National BankBank Pauls Valley, OK | 39 out of 100, Low | $356.6M | 9.5% | 5.72% | vs |
Deposit insurance
Is my money safe at The Community State Bank?
Yes. The Community State Bank is an FDIC-insured institution (FDIC certificate #20279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.8% of deposits ($86.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.05%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
The Community State Bank lists 6 offices in 5 cities. Most locations:
- Poteau, OK (2)
- Spiro, OK (1)
- Talihina, OK (1)
- Wilburton, OK (1)
- Wister, OK (1)
Identity & history
Profile
- Legal name
- The Community State Bank
- Former names
- Poteau State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 20279
- RSSD ID
- 706254
- Primary regulator
- FED
- Holding company
- First Poteau Corp
- Established
- October 19, 1970
- Headquarters
- 1409 N Broadway St, Poteau, OK 74953
- Website
- www.thecommunitysb.com
- Employees
- 116
Quick answers
The Community State Bank: common questions
Is The Community State Bank FDIC insured?
Yes. The Community State Bank is an FDIC-insured institution (FDIC certificate #20279). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Community State Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Community State Bank ever failed?
There is no failure record for FDIC certificate #20279 in the FDIC failed bank list.
How many branches does The Community State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Poteau
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Farmers BankBank Greenwood, AR | 90 out of 100, Very strong | $288.7M | 16.2% | 0.20% | vs |
| Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR | 89 out of 100, Very strong | $13.1M | 23.6% | 0.31% | vs |
| Arkansas Best Federal Credit UnionCredit union Fort Smith, AR | 84 out of 100, Strong | $144.0M | 16.3% | 0.62% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |
| SSB BankBank Spiro, OK | 80 out of 100, Strong | $129.9M | 17.0% | 0.09% | vs |