Bank · FDIC insured
Community State Bank
A $41.4M bank headquartered in Paton, IA, with 1 branch in Iowa. Best rates: CDs 3.29% and savings 0.15% APY.
Community State Bank Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#130 of 142 in IowaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community State Bank
Founded in 1956 by a group of local businessmen, Community State Bank is a locally owned independent bank headquartered in Paton, Iowa.
Community State Bank provides full banking services to the community of Paton and neighboring communities in Greene, Boone, Webster, and Hamilton counties.
- Headquarters
- 207 S Main St, Paton, IA 50217
- FDIC certificate
- 17551 ↗
Branches
1 branch in Iowa
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Iowa
1 branch
- Community State BankMain office207 S Main St, Paton, IA 50217Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 20.23% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.57% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $40 | $67 | — |
- CapitalLeverage ratio20.23%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$40Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Community State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.