BlastPoint's Banking Scorecard
Community Savings Bank
Edgewood, IA
12 branches across IA
Community Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.08% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 41.6% in tier
- - ROA 0.26% below tier average
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$616.1M
+1.4% YoY
-0.4% QoQ
|
+$230.1M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$420.5M
-5.6% YoY
-1.9% QoQ
|
+$164.8M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$496.4M
+4.6% YoY
+0.5% QoQ
|
+$168.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.01%
+22.8% YoY
+7.0% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.62%
+16.3% YoY
+11.7% QoQ
|
-0.31% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
62.20%
-13.6% YoY
-11.1% QoQ
|
-3.08% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
1.05%
+9.2% YoY
-30.1% QoQ
|
+0.16% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
84.71%
-9.7% YoY
-2.4% QoQ
|
+8.08% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
18.01%
+9.1% YoY
-2.0% QoQ
|
-4.01% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.72%
+1.7% YoY
-31.2% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
13.36%
+9.8% YoY
+4.3% QoQ
|
-2.47% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-1.7% YoY
-74.2% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.