BlastPoint's Banking Scorecard
Community State Bank
Designations: ✓ Community bank
Paton, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits -3.0% year over year ($33.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.57%.
- Efficiency ratio 78.72% vs a 119.40% peer average.
- Loan-to-deposit ratio 39.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 40.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Net Interest Margin 1.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.4M
-1.4% YoY
-3.2% QoQ
|
-$21.0M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$13.2M
-3.4% YoY
-4.1% QoQ
|
-$21.7M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.9% in tier |
| Total Deposits ? |
$33.6M
-3.0% YoY
-4.4% QoQ
|
-$18.1M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.57%
-14.1% YoY
+109.2% QoQ
|
-0.43% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
2.77%
+5.4% YoY
+4.2% QoQ
|
-1.14% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio ? |
78.72%
+10.1% YoY
-7.9% QoQ
|
-40.67% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
39.40%
-0.4% YoY
+0.3% QoQ
|
-34.81% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
24.18%
-3.6% YoY
-3.7% QoQ
|
+0.69% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
39.93%
+5.0% YoY
+6.6% QoQ
|
+12.81% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 11.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
+35.9% YoY
+823.1% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
24.2%
-0.9pp YoY -0.9pp QoQ |
-0.5pp | 24.6% | 17.8% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.9%
-4.1pp YoY +0.7pp QoQ |
-0.5pp | 13.4% | 12.8% | 12.5% | 61% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
1.4%
-0.1pp YoY 0.0pp QoQ |
-33.6pp | 35.0% | 23.0% | 31.3% | 7% |
| Consumer |
6.6%
-2.2pp YoY +1.2pp QoQ |
-1.1pp | 7.7% | 2.9% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
39.9%
+1.9pp YoY +2.5pp QoQ |
+1.2pp | 38.7% | 15.4% | 19.7% | 80% |
| Leverage Ratio |
20.2%
+0.2pp YoY +0.5pp QoQ |
+2.5pp | 17.7% | 12.4% | 12.6% | 86% |
| Total Capital Ratio |
40.2%
+0.9pp YoY +2.5pp QoQ |
+0.5pp | 39.7% | 16.5% | 20.8% | 78% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 64 | 482 | 7% |
| Assets per Employee ($) |
$8.3M
-1.4% YoY -3.2% QoQ |
+$2.1M | $6.2M | $8.9M | $8.8M | 82% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | -0.1% | -0.3pp | 0.2% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.1%
-0.8pp YoY +1.6pp QoQ |
-3.3pp | 6.4% | 12.8% | 11.6% | 25% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.8% | 1.7% | 34% |
| Net Income ($, YTD) |
$120,000
-13.0% YoY — QoQ |
-$198K | $317,817 | $4.0M | $40.4M | 26% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.