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City State Bank

$100M-$1B Specialty: Commercial IA FDIC cert 14410

Norwalk, IA

9 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

City State Bank has 4 strengths but faces 4 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

  • + Revenue Diversifier: Top 9.3% in tier
  • + Profitability Leader: Top 23.6% in tier
  • + Efficiency Ratio 8.78% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 14.4% in tier
  • - Credit Risk Growth: Bottom 22.6% in tier
  • - Credit Quality Pressure: Bottom 35.1% in tier
  • - Net Interest Margin 0.82% below tier average
Get updates when City State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $791.6M
+2.3% YoY +2.2% QoQ
+$405.5M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Top 8.4% in tier
Total Loans ? $575.8M
+4.5% YoY +0.1% QoQ
+$320.1M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Top 7.0% in tier
Total Deposits ? $697.2M
+1.1% YoY +1.9% QoQ
+$369.3M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Top 6.9% in tier
Return on Assets ? 1.95%
+42.6% YoY +29.6% QoQ
+0.68% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
Top 13.5% in tier
Net Interest Margin ? 3.12%
+13.0% YoY +1.7% QoQ
-0.82% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
Bottom 14.9% in tier
Efficiency Ratio ? 56.50%
-5.0% YoY -8.2% QoQ
-8.78% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
69%
Delinquency Rate ? 0.37%
+164.3% YoY +7.2% QoQ
-0.52% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
53%
Loan-to-Deposit Ratio ? 82.59%
+3.4% YoY -1.8% QoQ
+5.95% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
41%
Non-Interest-Bearing Deposit Share ? 19.32%
-2.9% YoY -2.9% QoQ
-2.70% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
42%
Nonperforming Asset Ratio ? 0.27%
+170.0% YoY +5.1% QoQ
-0.37% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
53%
Tier 1 Capital Ratio ? 9.60%
-19.2% YoY +2.2% QoQ
-6.23% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 5.6% in tier
Non-Interest Income / Assets ? 0.40%
+20.9% YoY -68.6% QoQ
+0.12% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
Top 4.4% in tier

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 (2)

Revenue Diversifier

growth
#63 of 666 • Top 9.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.40%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 1.95%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth
#158 of 666 • Top 23.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (3)

Capital Thin

risk
#97 of 666 • Bottom 14.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.60%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#221 of 973 • Bottom 22.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#460 of 1308 • Bottom 35.1% in tier

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

Why this signature
Delinquency Rate: 0.37%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

117
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.28%
#117 of 2664 Top 4.4% in $100M-$1B
186
Total Deposits
size
Value: $697.25M
Peer Median: $327.97M
#186 of 2664 Top 6.9% in $100M-$1B
188
Total Loans
size
Value: $575.83M
Peer Median: $255.72M
#188 of 2664 Top 7.0% in $100M-$1B
225
Total Assets
size
Value: $791.63M
Peer Median: $386.08M
#225 of 2664 Top 8.4% in $100M-$1B
360
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.27%
#360 of 2664 Top 13.5% in $100M-$1B

Top Weaknesses (2 metrics)

2515
Tier 1 Capital Ratio
capital
Value: 9.60%
Peer Median: 15.83%
#2515 of 2664 Bottom 5.6% in $100M-$1B
2267
Net Interest Margin
profitability
Value: 3.12%
Peer Median: 3.93%
#2267 of 2664 Bottom 14.9% in $100M-$1B
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