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The Corn City State Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 12980

Deshler, OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +11.9% year over year ($90.7M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.42%.
  • Efficiency ratio 52.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Corn City State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 20.0% in tier
  • + ROA 0.10% above tier average
  • + Efficiency Ratio 12.20% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.6% in tier
  • - Net Interest Margin 1.00% below tier average
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when The Corn City State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $104.5M
+8.4% YoY -2.2% QoQ
-$282.1M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 1.2% in tier
Total Loans ? $72.8M
+20.1% YoY +0.3% QoQ
-$185.5M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Bottom 7.9% in tier
Total Deposits ? $90.7M
+11.9% YoY -0.1% QoQ
-$236.0M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 2.7% in tier
Return on Assets ? 1.42%
+76.3% YoY +3.9% QoQ
+0.10% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 2.99%
+18.9% YoY +2.5% QoQ
-1.00% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 9.5% in tier
Efficiency Ratio ? 52.28%
-18.9% YoY -0.1% QoQ
-12.20% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.01%
+498.4% QoQ
-0.91% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 13.9% in tier
Loan-to-Deposit Ratio ? 80.26%
+7.4% YoY +0.3% QoQ
+2.31% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 16.59%
+22.0% YoY +22.7% QoQ
-5.44% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.01%
+513.6% QoQ
-0.66% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 12.7% in tier
Tier 1 Capital Ratio ? 10.82%
-2.9% YoY +2.2% QoQ
-5.08% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.04%
+0.8% YoY +109.0% QoQ
-0.52% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Bottom 4.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 16.6%
+3.0pp YoY
+3.1pp QoQ
 -5.6pp 22.1% 18.8% 22.2% 30%
Brokered Deposits 14.3%
-1.7pp YoY
0.0pp QoQ
 +6.5pp 7.9% 7.7% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 0.6%
0.0pp YoY
-5.9pp QoQ
 -11.0pp 11.6% 10.2% 12.5% 2%
CRE 12.7%
0.0pp YoY
+4.1pp QoQ
 -26.8pp 39.5% 34.2% 41.4% 8%
1-4 Family 69.4%
+3.8pp YoY
+1.7pp QoQ
 +36.8pp 32.6% 50.0% 31.3% 94%
Consumer 7.1%
-3.6pp YoY
-0.4pp QoQ
 +2.9pp 4.1% 4.7% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 10.8%
-0.3pp YoY
+0.2pp QoQ
 -1.3pp 12.2% 12.9% 12.6% 47%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 9
0 YoY
0 QoQ
 -50 58 2,433 482 0%
Assets per Employee ($) $11.6M
+8.4% YoY
-2.2% QoQ
 +$4.1M $7.5M $7.6M $8.8M 92%
Branch Count 1
0 YoY
0 QoQ
 -4 4 81 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 0.6% 1.0% 2%
Allowance Coverage 99.50x
-83.3% QoQ
 +75.35x 24.15x 18.95x 20.23x 96%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 21.8%
+5.8pp YoY
+0.3pp QoQ
 +9.6pp 12.2% 9.7% 11.6% 92%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 80%
Net Income ($, YTD) $745,000
+94.0% YoY
— QoQ
 -$1.8M $2.6M $259.3M $40.4M 18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#133 of 659 • Top 20.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#21 of 1256 • Bottom 1.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

337
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#337 of 2643 Top 12.7% in $100M-$1B
366
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#366 of 2633 Top 13.9% in $100M-$1B
562
Efficiency Ratio
profitability
Value: 52.28%
Peer Median: 64.48%
#562 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (6 metrics)

2612
Total Assets
size
Value: $104.46M
Peer Median: $386.57M
#2612 of 2643 Bottom 1.2% in $100M-$1B
2572
Total Deposits
size
Value: $90.70M
Peer Median: $326.73M
#2572 of 2643 Bottom 2.7% in $100M-$1B
2516
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2516 of 2643 Bottom 4.8% in $100M-$1B
2434
Total Loans
size
Value: $72.80M
Peer Median: $258.35M
#2434 of 2643 Bottom 7.9% in $100M-$1B
2394
Net Interest Margin
profitability
Value: 2.99%
Peer Median: 3.99%
#2394 of 2643 Bottom 9.5% in $100M-$1B
2091
Tier 1 Capital Ratio
capital
Value: 10.82%
Peer Median: 15.91%
#2091 of 2643 Bottom 20.9% in $100M-$1B
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