BlastPoint's Banking Scorecard

Community State Bank

$1B-$10B Specialty: Commercial IA FDIC cert 18272

Designations: ✓ Community bank

Ankeny, IA

10 branches across IA

884 banks in the $1B-$10B peer group nationally 27 in IA

Community State Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 2.30% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.40% 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 ?	$1.7B +10.3% YoY +1.4% QoQ	-$1.1B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$1.3B +10.2% YoY +2.9% QoQ	-$660.0M	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$1.3B +6.0% YoY -2.1% QoQ	-$1.0B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	1.33% +24.7% YoY +10.1% QoQ	-0.03%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.42% +3.6% YoY +0.0% QoQ	-0.40%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	58.76% -2.1% YoY -4.2% QoQ	-2.30%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.19% -67.3% YoY +25.1% QoQ	-0.69%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	99.37% +3.9% YoY +5.2% QoQ	+15.16%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	13.31% +1.0% YoY +3.3% QoQ	-7.98%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.15% -67.3% YoY +27.0% QoQ	-0.53%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	11.80% -1.9% YoY +0.4% QoQ	-3.36%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.09% -9.5% YoY -77.9% QoQ	-0.17%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	26%

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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 884 peers in $1B-$10B

Top Strengths (2 metrics)

180

Nonperforming Asset Ratio

credit_quality

Value: 0.15%

Peer Median: 0.67%

#180 of 884 Top 20.2% in $1B-$10B

181

Delinquency Rate

credit_quality

Value: 0.19%

Peer Median: 0.89%

#181 of 880 Top 20.5% in $1B-$10B

Top Weaknesses (2 metrics)

752

Loan-to-Deposit Ratio

liquidity

Value: 99.37%

Peer Median: 84.20%

#752 of 884 Bottom 15.0% in $1B-$10B

698

Non-Interest-Bearing Deposit Share

funding

Value: 13.31%

Peer Median: 21.29%

#698 of 884 Bottom 21.2% in $1B-$10B