BlastPoint's Banking Scorecard
Community State Bank
Royal Center, IN
4 branches across IN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
- Deposits +1.0% year over year ($160.6M on the books).
- Delinquency rate 0.38%.
- Return on assets 0.62%.
- Efficiency ratio 78.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 59.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30.4% in tier
- - ROA 0.70% below tier average
- - Net Interest Margin 0.92% below tier average
- - Efficiency Ratio 14.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.9M
+1.9% YoY
+3.9% QoQ
|
-$210.7M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$94.8M
+10.0% YoY
+8.8% QoQ
|
-$163.6M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$160.6M
+1.0% YoY
+4.4% QoQ
|
-$166.1M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.62%
+13.6% YoY
-12.9% QoQ
|
-0.70% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
3.07%
+7.1% YoY
+0.4% QoQ
|
-0.92% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio ? |
78.89%
-1.2% YoY
+5.4% QoQ
|
+14.41% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate ? |
0.38%
-55.2% YoY
+215.6% QoQ
|
-0.54% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
59.03%
+8.8% YoY
+4.2% QoQ
|
-18.93% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
13.27%
+11.1% YoY
-2.3% QoQ
|
-8.76% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.20%
-51.6% YoY
+230.5% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
16.81%
-2.0% YoY
-6.5% QoQ
|
+0.90% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.24%
+2.3% YoY
+95.8% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
61% |
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.3%
+1.3pp YoY -0.3pp QoQ |
-8.9pp | 22.1% | 16.8% | 22.2% | 18% |
| Brokered Deposits |
4.4%
0.0pp YoY +1.8pp QoQ |
-3.5pp | 7.9% | 7.2% | 8.5% | 47% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.6%
-0.7pp YoY 0.0pp QoQ |
-4.0pp | 11.6% | 11.1% | 12.5% | 37% |
| CRE | n/a | n/a | 39.5% | 36.2% | 41.4% | n/a |
| 1-4 Family |
28.0%
-0.9pp YoY -2.7pp QoQ |
-4.7pp | 32.6% | 40.0% | 31.3% | 47% |
| Consumer |
6.5%
-1.1pp YoY -0.2pp QoQ |
+2.4pp | 4.1% | 3.2% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.8%
-0.4pp YoY -1.2pp QoQ |
-2.0pp | 18.8% | 17.5% | 19.7% | 63% |
| Leverage Ratio |
10.5%
+0.4pp YoY 0.0pp QoQ |
-1.7pp | 12.2% | 13.0% | 12.6% | 41% |
| Total Capital Ratio |
17.8%
-0.6pp YoY -1.2pp QoQ |
-2.1pp | 19.9% | 18.7% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
-2 (-6.2%) YoY -1 (-3.2%) QoQ |
-29 | 58 | 237 | 482 | 26% |
| Assets per Employee ($) |
$5.9M
+8.7% YoY +7.3% QoQ |
-$1.7M | $7.5M | $7.5M | $8.8M | 31% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.1pp YoY +0.3pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 45% |
| Allowance Coverage |
2.97x
+76.2% YoY -70.9% QoQ |
-21.18x | 24.15x | 6.71x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.4%
+0.4pp YoY -0.4pp QoQ |
+0.2pp | 0.1% | 0.1% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
-0.5pp YoY -1.0pp QoQ |
-4.6pp | 12.2% | 11.2% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 25% |
| Net Income ($, YTD) |
$538,000
+11.2% YoY — QoQ |
-$2.0M | $2.6M | $16.3M | $40.4M | 12% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.