BlastPoint's Banking Scorecard
Community Bank
Designations: ✓ Community bank
Avon, SD
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 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +9.8% year over year ($60.2M on the books).
- Delinquency rate 0.61%.
- Return on assets 0.93%.
- Efficiency ratio 65.49% vs a 119.40% peer average.
- Loan-to-deposit ratio 69.78% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 53.91% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.3M
+9.2% YoY
-1.8% QoQ
|
+$6.8M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$42.0M
+11.0% YoY
+0.4% QoQ
|
+$7.1M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$60.2M
+9.8% YoY
-2.3% QoQ
|
+$8.6M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
0.93%
+56.6% YoY
-0.1% QoQ
|
-0.07% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.79%
+8.1% YoY
+2.7% QoQ
|
-0.13% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
65.49%
-11.7% YoY
-5.5% QoQ
|
-53.91% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.61%
+110.4% YoY
-23.8% QoQ
|
-0.87% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
69.78%
+1.1% YoY
+2.8% QoQ
|
-4.43% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
+0.1% YoY
+0.5% QoQ
|
-0.55% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.37%
+113.9% YoY
-22.1% QoQ
|
-0.47% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.20%
-7.3% YoY
+1.5% QoQ
|
-14.93% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.11%
-16.9% YoY
+78.8% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
46% |
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.9%
0.0pp YoY +0.1pp QoQ |
-1.7pp | 24.6% | 23.5% | 22.2% | 46% |
| Brokered Deposits |
3.3%
+0.1pp QoQ |
-6.5pp | 9.8% | 8.7% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.6%
+0.2pp YoY +0.2pp QoQ |
+9.2pp | 13.4% | 14.1% | 12.5% | 83% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
17.4%
-1.4pp YoY +0.1pp QoQ |
-17.6pp | 35.0% | 14.9% | 31.3% | 33% |
| Consumer |
9.2%
-0.1pp YoY +0.4pp QoQ |
+1.5pp | 7.7% | 8.5% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.6% | 19.7% | n/a |
| Leverage Ratio |
12.2%
-1.0pp YoY +0.2pp QoQ |
-5.5pp | 17.7% | 11.9% | 12.6% | 42% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
+1 (+12.5%) YoY +1 (+12.5%) QoQ |
-3 | 12 | 6,279 | 482 | 36% |
| Assets per Employee ($) |
$7.7M
-2.9% YoY -12.7% QoQ |
+$1.5M | $6.2M | $8.1M | $8.8M | 76% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.2pp YoY -0.3pp QoQ |
-0.6pp | 1.0% | 0.2% | 0.4% | 45% |
| Nonaccrual |
0.3%
+0.1pp YoY +0.1pp QoQ |
-1.5pp | 1.7% | 1.0% | 1.0% | 28% |
| Allowance Coverage |
2.04x
-51.1% YoY +31.0% QoQ |
-4.37x | 6.41x | 96.54x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY +0.2pp QoQ |
+0.1pp | 0.2% | 0.7% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+2.9pp YoY -0.1pp QoQ |
+1.8pp | 6.4% | 12.4% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY -0.1pp QoQ |
+0.5pp | 1.4% | 1.7% | 1.7% | 81% |
| Net Income ($, YTD) |
$323,000
+69.1% YoY — QoQ |
+$5K | $317,817 | $418.8M | $40.4M | 55% |
Get Full Access to Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.