BlastPoint's Banking Scorecard

Community State Bank

$100M-$1B Specialty: Agricultural IN FDIC cert 1839

Royal Center, IN

4 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Community State Bank has 1 strength but faces 6 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 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.5% in tier
- Deposit Outflow: Bottom 18.6% in tier
- Credit Quality Pressure: Bottom 19.1% in tier
- ROA 0.55% below tier average
- Net Interest Margin 0.87% below tier average
- Efficiency Ratio 9.57% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$169.3M -3.7% YoY -2.2% QoQ	-$216.7M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$87.2M +4.3% YoY +1.4% QoQ	-$168.6M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Bottom 14.5% in tier
Total Deposits ?	$153.8M -5.3% YoY -2.5% QoQ	-$174.2M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	0.71% +16.4% YoY +34.2% QoQ	-0.55%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	3.06% +9.1% YoY +2.6% QoQ	-0.87%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	Bottom 13.3% in tier
Efficiency Ratio ?	74.86% -1.3% YoY -8.0% QoQ	+9.57%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.12% -87.8% QoQ	-0.77%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	56.67% +10.1% YoY +4.0% QoQ	-19.97%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	13.58% -3.0% YoY +7.8% QoQ	-8.44%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.06% -87.4% QoQ	-0.58%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	17.98% +3.8% YoY +3.0% QoQ	+2.15%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.12% +10.8% YoY -74.5% QoQ	-0.16%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	64%

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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 (3)

Credit Risk Growth

risk

#132 of 973 • Bottom 13.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Deposit Outflow

decline

#95 of 506 • Bottom 18.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#251 of 1308 • Bottom 19.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

405

Loan-to-Deposit Ratio

liquidity

Value: 56.67%

Peer Median: 76.64%

#405 of 2664 Top 15.2% in $100M-$1B

506

Tier 1 Capital Ratio

capital

Value: 17.98%

Peer Median: 15.83%

#506 of 2664 Top 19.0% in $100M-$1B

645

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#645 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (7 metrics)

2312

Net Interest Margin

profitability

Value: 3.06%

Peer Median: 3.93%

#2312 of 2664 Bottom 13.3% in $100M-$1B

2280

Total Loans

size

Value: $87.16M

Peer Median: $255.72M

#2280 of 2664 Bottom 14.5% in $100M-$1B

2155

Non-Interest-Bearing Deposit Share

funding

Value: 13.58%

Peer Median: 22.02%

#2155 of 2664 Bottom 19.1% in $100M-$1B

2152

Total Assets

size

Value: $169.35M

Peer Median: $386.08M

#2152 of 2664 Bottom 19.3% in $100M-$1B

2093

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.27%

#2093 of 2664 Bottom 21.5% in $100M-$1B

2068

Total Deposits

size

Value: $153.81M

Peer Median: $327.97M

#2068 of 2664 Bottom 22.4% in $100M-$1B

2064

Efficiency Ratio

profitability

Value: 74.86%

Peer Median: 65.29%

#2064 of 2664 Bottom 22.6% in $100M-$1B