Community State Bank
Lamar, CO · Cert 58732 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Community State Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$208.1MAssets
$172.3MLoans
$177.6MDeposits
$25.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets operating in a single state (rank 53 of 752).
- Widest gap: nonperforming loans / loans trails 70% of banks under $1B in assets operating in a single state (rank 527 of 748).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.53%
Rank 164 of 752
Net Interest Margin
4.17%
Rank 188 of 752
Efficiency Ratio
44.71%
Rank 53 of 752
Equity / Assets
12.38%
Rank 229 of 752
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 93% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.72% | 1.07% | 1.45% | Beats 78% | 164 / 752 | |
| Return on Equity | 12.33% | 6.78% | 10.58% | 13.65% | Beats 66% | 256 / 752 | |
| Net Interest Margin | 4.17% | 3.18% | 3.69% | 4.17% | Beats 75% | 188 / 752 | |
| Efficiency Ratio | 44.71% | 55.75% | 64.49% | 75.47% | Beats 93% | 53 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.09% | 0.42% | 1.03% | Beats 30% | 527 / 748 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 496 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 14.16% | 11.55% | 13.75% | 17.60% | Beats 53% | 350 / 752 | |
| Total Risk-Based Capital Ratio | 15.42% | 11.70% | 14.33% | 18.47% | Beats 59% | 311 / 752 | |
| Equity / Assets | 12.38% | 8.93% | 10.56% | 13.13% | Beats 70% | 229 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 97.02% | 62.23% | 78.64% | 91.26% | 86th pctl | 107 / 752 | |
| Loans / Assets | 82.80% | 54.61% | 67.41% | 76.47% | 91st pctl | 70 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |