BlastPoint's Banking Scorecard
Community State Bank
Designations: ✓ Community bank
Ankeny, IA
10 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits -0.7% year over year ($1.3B on the books).
- Delinquency rate 0.19%.
- Return on assets 1.34%.
- Efficiency ratio 59.69% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.19% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Net Interest Margin 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+9.1% YoY
+0.4% QoQ
|
-$1.0B |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$1.3B
+7.1% YoY
-2.0% QoQ
|
-$685.0M |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$1.3B
-0.7% YoY
-3.8% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.34%
+12.8% YoY
+0.5% QoQ
|
-0.05% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.48%
+3.8% YoY
+1.9% QoQ
|
-0.39% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
59.69%
-1.1% YoY
+1.6% QoQ
|
-0.04% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
0.19%
-57.1% YoY
-0.8% QoQ
|
-0.67% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
101.19%
+7.9% YoY
+1.8% QoQ
|
+16.15% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.83%
+27.6% YoY
+18.9% QoQ
|
-5.45% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.14%
-57.9% YoY
-3.1% QoQ
|
-0.53% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
11.89%
-1.9% YoY
+0.7% QoQ
|
-2.95% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.18%
-6.7% YoY
+100.6% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
15.8%
+3.4pp YoY +2.5pp QoQ |
-5.5pp | 21.4% | 17.8% | 22.2% | 31% |
| Brokered Deposits |
5.6%
-6.6pp YoY -1.6pp QoQ |
-3.8pp | 9.5% | 6.0% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.8%
+0.2pp YoY +1.2pp QoQ |
+1.8pp | 14.0% | 12.8% | 12.5% | 69% |
| CRE |
70.7%
+0.1pp YoY -1.1pp QoQ |
+20.6pp | 50.0% | 28.3% | 41.4% | 89% |
| 1-4 Family |
9.6%
+0.5pp YoY 0.0pp QoQ |
-16.8pp | 26.4% | 23.0% | 31.3% | 16% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 2.9% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
-0.2pp YoY +0.1pp QoQ |
-3.7pp | 15.6% | 15.4% | 19.7% | 21% |
| Leverage Ratio |
11.7%
-0.1pp YoY -0.3pp QoQ |
+0.4pp | 11.3% | 12.4% | 12.6% | 72% |
| Total Capital Ratio |
12.7%
-0.3pp YoY +0.1pp QoQ |
-4.0pp | 16.7% | 16.5% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
153
+11 (+7.7%) YoY +4 (+2.7%) QoQ |
-161 | 313 | 64 | 482 | 23% |
| Assets per Employee ($) |
$11.4M
+1.2% YoY -2.3% QoQ |
+$932K | $10.5M | $8.9M | $8.8M | 75% |
| Branch Count |
10
+1 (+11.1%) YoY +1 (+11.1%) QoQ |
-10 | 20 | 5 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 1.0% | 1.0% | 21% |
| Allowance Coverage |
5.23x
+114.7% YoY +5.7% QoQ |
-13.48x | 18.71x | 18.97x | 20.23x | 79% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+1.2pp YoY 0.0pp QoQ |
-0.9pp | 12.6% | 12.8% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 64% |
| Net Income ($, YTD) |
$11.6M
+24.9% YoY — QoQ |
-$7.6M | $19.2M | $4.0M | $40.4M | 46% |
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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.