BlastPoint's Banking Scorecard
Community State Bank
Avilla, IN
5 branches across IN
Community State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.00% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 9.5% in tier
- - Flatlined Growth: Bottom 36.7% in tier
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$521.0M
+1.6% YoY
-9.0% QoQ
|
+$135.0M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$390.5M
+2.0% YoY
+2.3% QoQ
|
+$134.8M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$471.0M
+6.0% YoY
-9.9% QoQ
|
+$143.1M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
0.77%
-21.4% YoY
-23.5% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.69%
+4.8% YoY
+0.6% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
64.29%
+0.8% YoY
+1.1% QoQ
|
-1.00% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
0.42%
-17.9% YoY
+522.8% QoQ
|
-0.47% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
82.91%
-3.8% YoY
+13.5% QoQ
|
+6.27% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
21.25%
+2.0% YoY
+17.2% QoQ
|
-0.77% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.32%
-17.6% YoY
+599.5% QoQ
|
-0.32% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.24%
+7.7% YoY
-1.7% QoQ
|
-2.59% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.08%
+29.6% YoY
-76.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.