BlastPoint's Banking Scorecard

Community State Bank

under $100M Specialty: Agricultural IA FDIC cert 17551

Designations: ✓ Community bank

Paton, IA

537 banks in the under $100M peer group nationally 33 in IA

Community State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Efficiency Ratio 2.14% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.21% below tier average
- Non-Interest Income / Assets 0.69% below tier average
- ROA 0.58% below tier average

Get updates when Community State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$42.8M +2.0% YoY -0.2% QoQ	-$19.5M	$62.3M -0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.0% YoY	24%
Total Loans ?	$13.8M -2.8% YoY -4.0% QoQ	-$20.5M	$34.3M -1.5% YoY	$379.9M +5.0% YoY	$3.2B +10.7% YoY	17%
Total Deposits ?	$35.1M +1.0% YoY -0.1% QoQ	-$16.7M	$51.8M -0.6% YoY	$469.6M +4.4% YoY	$4.8B +8.0% YoY	24%
Return on Assets ?	0.27% -14.3% YoY -23.6% QoQ	-0.58%	0.86% -3.6% YoY	1.31% +22.6% YoY	1.24% +13.1% YoY	22%
Net Interest Margin ?	2.66% +1.2% YoY +0.1% QoQ	-1.21%	3.87% +2.7% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 9.7% in tier
Efficiency Ratio ?	85.49% +0.7% YoY +10.3% QoQ	-2.14%	87.63% +2.3% YoY	58.40% -7.6% YoY	66.84% -3.8% YoY	26%
Delinquency Rate ?	0.00% -100.0% YoY	-1.36%	1.36% +33.7% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	39.30% -3.7% YoY -3.9% QoQ	-24.81%	64.11% -0.9% YoY	77.40% +1.1% YoY	76.69% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	25.10% -1.8% YoY -7.5% QoQ	+1.31%	23.79% +0.5% YoY	17.87% +0.7% YoY	22.01% -1.1% YoY	56%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.77%	0.77% +28.7% YoY	0.58% +11.7% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	37.47% +2.7% YoY +6.5% QoQ	+10.69%	26.77% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 12.1% in tier
Non-Interest Income / Assets ?	-0.02% -541.1% YoY -115.3% QoQ	-0.69%	0.67% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.0% YoY	Bottom 0.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 37.47%

Peer Median: 26.77%

#66 of 537 Top 12.1% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 39.30%

Peer Median: 64.11%

#96 of 537 Top 17.7% in under $100M

Top Weaknesses (6 metrics)

534

Non-Interest Income / Assets

revenue_mix

Value: -0.02%

Peer Median: 0.67%

#534 of 537 Bottom 0.7% in under $100M

486

Net Interest Margin

profitability

Value: 2.66%

Peer Median: 3.87%

#486 of 537 Bottom 9.7% in under $100M

449

Total Loans

size

Value: $13.79M

Peer Median: $34.29M

#449 of 537 Bottom 16.6% in under $100M

420

Return on Assets

profitability

Value: 0.27%

Peer Median: 0.86%

#420 of 537 Bottom 22.0% in under $100M

408

Total Deposits

size

Value: $35.09M

Peer Median: $51.83M

#408 of 537 Bottom 24.2% in under $100M

408

Total Assets

size

Value: $42.77M

Peer Median: $62.28M

#408 of 537 Bottom 24.2% in under $100M