BlastPoint's Banking Scorecard
Central State Bank
Coralville, IA
7 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 -6.4% year over year ($344.4M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.73%.
- Efficiency ratio 50.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.95% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central State Bank has 3 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16.6% in tier
- + Efficiency Ratio 13.58% below tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 0.2% in tier
- - Liquidity Strain: Bottom 1.5% in tier
- - NIB Deposit Bleed: Bottom 30.9% in tier
- - Capital Constraint: Bottom 34.6% in tier
- - Non-Interest Income / Assets 0.50% below tier average
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$419.3M
-7.5% YoY
-5.0% QoQ
|
+$32.8M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$323.6M
-10.1% YoY
-2.3% QoQ
|
+$65.2M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$344.4M
-6.4% YoY
-4.1% QoQ
|
+$17.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
1.73%
+82.7% YoY
+25.6% QoQ
|
+0.41% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
3.33%
+23.7% YoY
+5.5% QoQ
|
-0.66% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
50.90%
-16.9% YoY
-2.9% QoQ
|
-13.58% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
0.02%
-95.2% YoY
-1.2% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
93.95%
-3.9% YoY
+1.9% QoQ
|
+16.00% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.27%
-34.2% YoY
+3.4% QoQ
|
-3.76% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.01%
-95.4% YoY
+1.6% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 14.5% in tier |
| Tier 1 Capital Ratio ? |
14.42%
+13.1% YoY
+0.9% QoQ
|
-1.49% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.07%
-4.3% YoY
+115.7% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.3%
-9.5pp YoY +0.6pp QoQ |
-3.9pp | 22.1% | 17.8% | 22.2% | 37% |
| Brokered Deposits |
0.9%
-5.5pp YoY -1.1pp QoQ |
-6.9pp | 7.9% | 6.0% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.3%
+2.8pp YoY +1.1pp QoQ |
+1.8pp | 11.6% | 12.8% | 12.5% | 69% |
| CRE |
47.0%
-4.0pp YoY -0.8pp QoQ |
+7.4pp | 39.5% | 28.3% | 41.4% | 65% |
| 1-4 Family |
23.4%
+1.0pp YoY +0.5pp QoQ |
-9.2pp | 32.6% | 23.0% | 31.3% | 38% |
| Consumer |
0.6%
-0.2pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 2.9% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.4%
+1.7pp YoY +0.1pp QoQ |
-4.4pp | 18.8% | 15.4% | 19.7% | 44% |
| Leverage Ratio |
10.3%
+0.6pp YoY +0.1pp QoQ |
-1.9pp | 12.2% | 12.4% | 12.6% | 37% |
| Total Capital Ratio |
15.7%
+1.7pp YoY +0.1pp QoQ |
-4.3pp | 19.9% | 16.5% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
-2 (-4.4%) YoY +2 (+4.9%) QoQ |
-16 | 58 | 64 | 482 | 45% |
| Assets per Employee ($) |
$9.8M
-3.2% YoY -9.4% QoQ |
+$2.2M | $7.5M | $8.9M | $8.8M | 84% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 5 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 5% |
| Allowance Coverage |
76.86x
+1964.6% YoY -7.1% QoQ |
+52.71x | 24.15x | 18.97x | 20.23x | 96% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
+7.1pp YoY +3.4pp QoQ |
+5.9pp | 12.2% | 12.8% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.1%
-0.5pp YoY -0.1pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$3.8M
+73.5% YoY — QoQ |
+$1.2M | $2.6M | $4.0M | $40.4M | 78% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.