Bank · FDIC insured
The Community State Bank
A $393.1M bank headquartered in Poteau, OK, with 6 branches in Oklahoma. Best rates: CDs 4.55% and savings 0.25% APY.
The Community State Bank Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#64 of 100 in OklahomaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Community State Bank
Organized in 1970 as Poteau State Bank, the institution was started by several local businessmen who saw the need for another financial institution.
The Reed family purchased the bank in 1990, and the institution changed its name to The Community State Bank in January 2000.
The Community State Bank is locally owned and operated, operating six branch locations.
- Headquarters
- 1409 N Broadway St, Poteau, OK 74953
- FDIC certificate
- 20279 ↗
Branches
6 branches in Oklahoma
Loading map…
Oklahoma
6 branches
Poteau area · 2
- The Community State BankMain office1409 N Broadway St, Poteau, OK 74953Directions
- North Broadway Branch3108 N Broadway St, Poteau, OK 74953Directions
Spiro area · 1
- Spiro Branch617 W Broadway St, Spiro, OK 74959Directions
Talihina area · 1
- Talihina Branch902 Dallas St, Talihina, OK 74571Directions
Wilburton area · 1
- Wilburton Branch1207 Highway 2 N, Wilburton, OK 74578Directions
Wister area · 1
- Wister Branch405 Us Highway 271, Wister, OK 74966Directions
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 | 9.05% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.26% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.84% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio9.05%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.26%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.84%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion 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 The 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.