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City State Bank

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

Norwalk, IA

9 branches across IA

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 167 in IA.
  • Deposits +4.8% year over year ($693.2M on the books).
  • Delinquency rate 0.28%.
  • Return on assets 1.84%.
  • Efficiency ratio 57.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.48% 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 167 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 12.2% in tier
  • + Profitability Leader: Top 40.4% in tier
  • + Efficiency Ratio 7.29% below tier average
  • + Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.3% in tier
  • - Credit Quality Pressure: Bottom 15.8% in tier
  • - Capital Thin: Bottom 30.3% in tier
  • - Net Interest Margin 0.75% below tier average
Get updates when City State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $787.9M
+5.0% YoY -0.5% QoQ
+$401.4M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 8.6% in tier
Total Loans ? $592.6M
+5.0% YoY +2.9% QoQ
+$334.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 6.5% in tier
Total Deposits ? $693.2M
+4.8% YoY -0.6% QoQ
+$366.5M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 7.2% in tier
Return on Assets ? 1.84%
+25.3% YoY -5.7% QoQ
+0.52% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 3.24%
+11.5% YoY +4.0% QoQ
-0.75% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 57.19%
-3.6% YoY +1.2% QoQ
-7.29% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 0.28%
+16.7% YoY -25.0% QoQ
-0.64% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 85.48%
+0.1% YoY +3.5% QoQ
+7.53% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 18.61%
-1.9% YoY -3.7% QoQ
-3.42% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.21%
+16.7% YoY -22.5% QoQ
-0.46% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 9.37%
-21.8% YoY -2.4% QoQ
-6.54% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 3.7% in tier
Non-Interest Income / Assets ? 0.77%
+16.0% YoY +90.7% QoQ
+0.20% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 5.1% 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 (IA) National Avg Tier Percentile
Noninterest-Bearing 18.6%
-0.4pp YoY
-0.7pp QoQ
 -3.5pp 22.1% 17.8% 22.2% 38%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 11.9%
+0.6pp YoY
+0.1pp QoQ
 +0.3pp 11.6% 12.8% 12.5% 63%
CRE 44.2%
-0.9pp YoY
-0.4pp QoQ
 +4.7pp 39.5% 28.3% 41.4% 61%
1-4 Family 20.2%
-0.1pp YoY
+0.1pp QoQ
 -12.4pp 32.6% 23.0% 31.3% 30%
Consumer 0.6%
-0.1pp YoY
-0.1pp QoQ
 -3.5pp 4.1% 2.9% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 9.4%
+0.2pp YoY
-0.2pp QoQ
 -2.8pp 12.2% 12.4% 12.6% 18%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 100
+5 (+5.3%) YoY
+2 (+2.0%) QoQ
 +41 58 64 482 87%
Assets per Employee ($) $7.9M
-0.3% YoY
-2.5% QoQ
 +$361K $7.5M $8.9M $8.8M 66%
Branch Count 9
0 YoY
0 QoQ
 +4 4 5 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
+0.1pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 36%
Allowance Coverage 4.61x
-17.2% YoY
+35.1% QoQ
 -19.55x 24.15x 18.97x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
+0.4pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 19.6%
+2.7pp YoY
-1.3pp QoQ
 +7.4pp 12.2% 12.8% 11.6% 87%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 81%
Net Income ($, YTD) $7.2M
+28.8% YoY
— QoQ
 +$4.7M $2.6M $4.0M $40.4M 96%

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
#82 of 661 • Top 12.2% 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: 0.77%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.84%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#268 of 661 • Top 40.4% in tier

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

Why this signature
Return on Assets: 1.84%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#135 of 936 • Bottom 14.3% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#200 of 1256 • Bottom 15.8% in tier

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

Why this signature
Delinquency Rate: 0.28%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk
#201 of 661 • Bottom 30.3% 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: 9.37%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (5 metrics)

135
Non-Interest Income / Assets
revenue_mix
Value: 0.77%
Peer Median: 0.57%
#135 of 2643 Top 5.1% in $100M-$1B
172
Total Loans
size
Value: $592.56M
Peer Median: $258.35M
#172 of 2643 Top 6.5% in $100M-$1B
192
Total Deposits
size
Value: $693.19M
Peer Median: $326.73M
#192 of 2643 Top 7.2% in $100M-$1B
228
Total Assets
size
Value: $787.95M
Peer Median: $386.57M
#228 of 2643 Top 8.6% in $100M-$1B
488
Return on Assets
profitability
Value: 1.84%
Peer Median: 1.32%
#488 of 2643 Top 18.4% in $100M-$1B

Top Weaknesses (2 metrics)

2546
Tier 1 Capital Ratio
capital
Value: 9.37%
Peer Median: 15.91%
#2546 of 2643 Bottom 3.7% in $100M-$1B
2186
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 3.99%
#2186 of 2643 Bottom 17.3% in $100M-$1B
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