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BDI
CS

Community State Bank

Paton, IowaFDIC Cert #17551

STATEEstablished 19561 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$0
Investor CRE$546K
Multifamily$0
Construction$0
1–4 family$194K
C&I$1.68M
Agriculture$10.7M
Other$739K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$13.8M
−6.1%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSGR
Net loans
$13.8M
−2.8%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
Loans YoY
−2.80%
+71.8%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
L/D
39.3%
−3.7%y/y
Percentile by value27th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + DEP
Loans/assets
32.2%
−4.7%y/y
Percentile by value26th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + ASSET
RE loans %
15.05%
−3.3%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
6%
−12.4%y/y
Percentile by value45th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
0%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
4,813points
+20.2%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNLSGR
Investor CRE %
3.95%
−8.2%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROT + LNLSGR
C&I %
12.12%
−32.1%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNCI + LNLSGR