Community State Bank
Hennessey, OK · Cert 27201 · Peer group: banks under $1B in assets in OK (n=88-89) · Warrior Bank Corp. Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$89.7MAssets
$27.7MLoans
$82.8MDeposits
$6.8MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets in OK (rank 10 of 89).
- Widest gap: equity / assets trails 89% of banks under $1B in assets in OK (rank 79 of 89).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.59%
Rank 74 of 89
Net Interest Margin
3.16%
Rank 77 of 89
Efficiency Ratio
81.92%
Rank 77 of 89
Equity / Assets
7.56%
Rank 79 of 89
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 15% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.85% | 1.26% | 1.60% | Beats 17% | 74 / 89 | | |
| Return on Equity | 7.80% | 7.40% | 11.89% | 14.65% | Beats 27% | 65 / 89 | | |
| Net Interest Margin | 3.16% | 3.46% | 3.93% | 4.45% | Beats 13% | 77 / 89 | | |
| Efficiency Ratio | 81.92% | 54.70% | 60.95% | 71.14% | Beats 15% | 77 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.85% | 0.30% | 0.82% | 2.25% | Beats 18% | 73 / 88 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.03% | 0.20% | Beats 37% | 56 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 20.40% | 10.89% | 13.00% | 16.33% | Beats 88% | 11 / 89 | | |
| Total Risk-Based Capital Ratio | 21.65% | 11.20% | 13.06% | 16.33% | Beats 89% | 10 / 89 | | |
| Equity / Assets | 7.56% | 9.26% | 10.94% | 13.52% | Beats 11% | 79 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 33.43% | 61.51% | 72.27% | 84.01% | 7th pctl | 82 / 88 | | |
| Loans / Assets | 30.86% | 52.51% | 63.15% | 71.27% | 10th pctl | 80 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |