Part of the Community State Bank chain · 12 locations
Community State Bank logo

Community State Bank in Hennessey, OK

4.2/5

Community State Bank Hennessey, OK — Community State Bank is a regional community bank with three Oklahoma locations offering traditional banking servic...

Data compiled from public sources · Rating from CreditDoc methodology

Community State Bank Review

Community State Bank is a community-focused financial institution headquartered in Cashion, Oklahoma, with additional branch locations in Dover and Hennessey. The bank was established with a mission to serve the financial needs of local businesses, families, and citizens within their service communities. The bank positions itself as combining modern financial institution capabilities with the integrity and local decision-making characteristic of traditional community banks.

Community State Bank offers a comprehensive suite of banking services including checking and savings accounts, online and mobile banking, personal and business loans, and mortgage products. The bank provides digital banking access through both web-based and mobile platforms, allowing customers remote account management. Customers can customize their debit cards with personal designs or school spirit themes.

The bank emphasizes competitive loan and deposit rates and maintains a wide variety of account options designed to meet individual customer needs. Business enrollment for accounts and services is available through their website. What distinguishes Community State Bank is its explicit commitment to local community involvement and decision-making.

The bank highlights that employees are actively engaged in churches, booster clubs, and community activities, reflecting a deep integration into local life. The bank maintains physical branch locations in three small Oklahoma towns rather than pursuing regional or national expansion, focusing on personalized service and local relationship banking rather than scale. Community State Bank is best suited for individuals and small business owners in the Cashion, Dover, and Hennessey, Oklahoma areas seeking traditional banking relationships with local accountability.

However, the bank's service area is geographically limited to three specific towns, and the website provides limited details about specific loan products, rates, fees, or account minimums, requiring direct contact for detailed product information.

Services & Features

Checking accounts
Savings accounts
Online banking platform
Mobile banking application
Personal loans
Business loans
Mortgage products and financing
Debit cards with customization options
Business account enrollment
Digital banking access
24/7 fraud prevention hotline
Cybersecurity guidance for consumers and businesses

Feature Checklist

Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor

Pros & Cons

Pros

  • Three physical branch locations in Cashion, Dover, and Hennessey, Oklahoma for in-person banking access
  • 24/7 fraud hotline (1-888-263-3370) for immediate assistance with lost or stolen debit cards
  • Digital banking options including both online and mobile banking platforms
  • Customizable debit cards allowing customers to choose designs or display school spirit
  • Local decision-making authority rather than remote corporate headquarters decisions
  • Employees actively involved in community organizations including churches and booster clubs
  • Wide variety of account types designed to meet individual customer needs

Cons

  • Service area limited to only three small towns in Oklahoma (Cashion, Dover, Hennessey), not suitable for customers outside this region
  • Website provides minimal specific information about loan rates, account fees, minimum balances, or specific product terms
  • No information about FDIC insurance limits, account types, or deposit protection details on the website
  • Limited digital presence and marketing information compared to larger regional or national banks
  • No mention of specific business loan products, SBA lending, or commercial banking services beyond general 'business loans'

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.8
Transparency
4.0
Ease of Use
4.5

Frequently Asked Questions

Is Community State Bank legitimate?

Yes. Community State Bank is a registered company, headquartered in Hennessey, OK, founded in 1988.

How long does Community State Bank take to show results?

Account opening typically takes 1-3 business days. Loan decisions vary by product.

Quick Facts

Founded
1988
Headquarters
Hennessey, OK
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #27201
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Community State Bank

CreditDoc Diagnosis

Doctor's Verdict on Community State Bank

Community State Bank is best for small-town residents and businesses in the Cashion, Dover, or Hennessey, Oklahoma areas seeking traditional community banking with local decision-making and employee community involvement. The primary caveat is the strictly limited geographic service area—this bank only serves three specific Oklahoma towns and is not accessible to customers outside these communities.

Best For

  • Small business owners in Cashion, Dover, or Hennessey, Oklahoma seeking relationship-based local banking
  • Residents of the three-town service area who value community involvement and local decision-making
  • Customers who prefer traditional in-person banking at physical branch locations over primarily digital banking
  • Individuals seeking personalized service and local accountability in their banking relationships
Updated 2026-03-21

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