BlastPoint's Banking Scorecard
Central State Bank
Coralville, IA
8 branches across IA
Central State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 12.85% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.8% in tier
- - Capital Constraint: Bottom 31.5% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.77% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.2M
-4.2% YoY
-0.1% QoQ
|
+$55.1M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$331.0M
-8.5% YoY
-5.4% QoQ
|
+$75.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$359.2M
-7.1% YoY
+4.3% QoQ
|
+$31.3M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.38%
+66.4% YoY
+27.0% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.16%
+24.1% YoY
+11.0% QoQ
|
-0.77% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
52.43%
-17.5% YoY
-11.0% QoQ
|
-12.85% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
0.02%
-95.2% YoY
|
-0.87% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
92.15%
-1.5% YoY
-9.4% QoQ
|
+15.51% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
17.67%
+19.7% YoY
+3.4% QoQ
|
-4.35% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.01%
-97.3% YoY
|
-0.62% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Top 14.8% in tier |
| Tier 1 Capital Ratio ? |
14.30%
+14.6% YoY
+10.7% QoQ
|
-1.53% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.03%
-10.5% YoY
-83.8% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.7% in tier |
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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)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
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.