Community State Bank
Lamar, CO · Cert 58732 · Peer group: banks under $1B in assets (n=581-629) · 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 94% of banks under $1B in assets (rank 40 of 629).
- Widest gap: nonperforming loans / loans trails 67% of banks under $1B in assets (rank 391 of 581).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.53%
Rank 141 of 629
Net Interest Margin
4.17%
Rank 123 of 629
Efficiency Ratio
44.71%
Rank 40 of 629
Equity / Assets
12.38%
Rank 207 of 629
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 94% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.60% | 1.01% | 1.45% | Beats 78% | 141 / 629 | | |
| Return on Equity | 12.33% | 5.38% | 9.30% | 13.28% | Beats 70% | 190 / 629 | | |
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 80% | 123 / 629 | | |
| Efficiency Ratio | 44.71% | 58.35% | 67.79% | 79.08% | Beats 94% | 40 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.09% | 0.46% | 1.20% | Beats 33% | 391 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 374 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.16% | 11.24% | 13.84% | 18.77% | Beats 53% | 298 / 629 | | |
| Total Risk-Based Capital Ratio | 15.42% | 11.58% | 14.43% | 19.66% | Beats 57% | 270 / 629 | | |
| Equity / Assets | 12.38% | 9.09% | 10.65% | 13.80% | Beats 67% | 207 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.02% | 67.24% | 80.90% | 93.48% | 81st pctl | 111 / 594 | | |
| Loans / Assets | 82.80% | 53.31% | 67.71% | 78.15% | 87th pctl | 79 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |