The Community State Bank: how it compares with its peers
Against 64 OK banks with half to twice its assets, The Community State Bank's strongest measure in Q2 2026 is net interest margin (4.54% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($3.4M vs. $6.4M).
| Measure | The Community State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 1.42% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.54% | 4.15% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.76% | 60.92% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.4M | $6.4M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.31% | 75.44% | Context |
What it means for lending operations
Its efficiency ratio of 77.76% is above the 60.92% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Security State Bank of Oklahoma Wewoka, OK · $388M
- The Security National Bank of Enid Enid, OK · $400M
- McCurtain County National Bank Broken Bow, OK · $384M
- Anchor D Bank Texhoma, OK · $405M
- Exchange Bank and Trust Company Perry, OK · $429M
- The Pauls Valley National Bank Pauls Valley, OK · $357M
Questions about The Community State Bank
How big is The Community State Bank?
The Community State Bank, established in 1970, is headquartered in Poteau, OK. It reported $393M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Community State Bank's return on assets?
0.84% annualized in Q2 2026, against a 1.42% median for 64 OK banks with half to twice its assets, ahead of 17% of them.
What is The Community State Bank's efficiency ratio?
77.76% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 60.92%, and lower is better.
Is The Community State Bank growing its loans?
Net loans grew 10.5% over the year to Q2 2026, while deposits grew 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.