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Community State Bank
Lamar, CO · FDIC Certificate #58732 · Chartered 07/1
Total assets
$208.09M
Total deposits
$177.60M
Total equity
$25.77M
Net loans
$167.79M
Branches (offices)
2
Net income (YTD)
$2.02M
Rank: #2,925 of 4,213 U.S. banks by assets · #44 of 63 in Colorado. Assets changed 5.1% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.96% |
| Return on equity | 15.78% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 12.38% |
| Tier 1 leverage ratio | 12.54% |
| Uninsured deposits (share of deposits) | 15.3% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 40.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $68.54M | 40.8% | |
| Commercial & industrial | $28.76M | 17.1% | |
| Consumer / individual | $6.79M | 4.0% | |
| Construction & development | $393.00K | 0.2% | |
| Agricultural | $66.24M | 39.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $158.62M | $140.07M | $1.20M | $18.32M |
| Jun 2023 | $162.05M | $138.63M | $1.81M | $19.59M |
| Jun 2024 | $170.73M | $142.21M | $1.95M | $21.86M |
| Jun 2025 | $197.98M | $172.84M | $2.13M | $24.21M |
| Jun 2026 | $208.09M | $177.60M | $2.02M | $25.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $177.60M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $177.60M.
Similar-sized banks
Farmers & Merchants Bank & Trust ($208.23M) · Century Bank Of Kentucky, Inc. ($208.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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