BlastPoint's Banking Scorecard

CUSB Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 18443

Cresco, IA

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits +4.2% year over year ($699.3M on the books).
Delinquency rate 0.66%.
Return on assets 1.53%.
Efficiency ratio 54.50% vs a 64.48% peer average.
Loan-to-deposit ratio 90.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

CUSB Bank has 3 strengths but faces 3 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

+ ROA 0.20% above tier average
+ Efficiency Ratio 9.98% below tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.5% in tier
- Non-Interest-Bearing Deposit Share 12.94% below tier average
- Net Interest Margin 0.27% below tier average

Get updates when CUSB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$812.1M +4.7% YoY -0.2% QoQ	+$425.5M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 7.5% in tier
Total Loans ?	$634.2M +4.1% YoY +0.2% QoQ	+$375.8M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 4.8% in tier
Total Deposits ?	$699.3M +4.2% YoY -2.2% QoQ	+$372.6M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 6.8% in tier
Return on Assets ?	1.53% +18.2% YoY +6.3% QoQ	+0.20%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	3.71% +13.5% YoY +2.2% QoQ	-0.27%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	54.50% +0.4% YoY -1.2% QoQ	-9.98%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.66% -9.1% YoY +84.7% QoQ	-0.26%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	90.69% -0.1% YoY +2.5% QoQ	+12.73%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	9.09% +21.8% YoY +25.6% QoQ	-12.94%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 8.9% in tier
Nonperforming Asset Ratio ?	0.56% -5.8% YoY +74.2% QoQ	-0.11%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	12.27% +4.4% YoY -0.5% QoQ	-3.63%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.21% -0.9% YoY +123.5% QoQ	-0.35%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	54%

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	9.1% +1.6pp YoY +1.9pp QoQ	-13.1pp	22.1%	17.8%	22.2%	8%
Brokered Deposits	4.9% +0.4pp YoY -2.0pp QoQ	-3.0pp	7.9%	6.0%	8.5%	51%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	9.4% -1.6pp YoY -0.3pp QoQ	-2.1pp	11.6%	12.8%	12.5%	49%
CRE	25.7% -0.3pp YoY -0.5pp QoQ	-13.9pp	39.5%	28.3%	41.4%	28%
1-4 Family	12.7% +0.4pp YoY -0.2pp QoQ	-19.9pp	32.6%	23.0%	31.3%	15%
Consumer	3.9% -0.3pp YoY +0.1pp QoQ	-0.2pp	4.1%	2.9%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	12.3% +0.5pp YoY -0.1pp QoQ	+0.1pp	12.2%	12.4%	12.6%	68%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	105 +4 (+4.0%) YoY +2 (+1.9%) QoQ	+46	58	64	482	88%
Assets per Employee ($)	$7.7M +0.7% YoY -2.1% QoQ	+$216K	$7.5M	$8.9M	$8.8M	64%
Branch Count	7 0 YoY 0 QoQ	+2	4	5	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% 0.0pp YoY +0.3pp QoQ	+0.2pp	0.3%	0.4%	0.4%	83%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	26%
Allowance Coverage	2.15x +14.5% YoY -46.4% QoQ	-22.00x	24.15x	18.97x	20.23x	50%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	85%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	13.2% +1.1pp YoY +0.7pp QoQ	+1.0pp	12.2%	12.8%	11.6%	57%
Cost of Funds (YTD)	2.0% -0.5pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	72%
Net Income ($, YTD)	$6.2M +22.7% YoY — QoQ	+$3.6M	$2.6M	$4.0M	$40.4M	93%

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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 (1)

Liquidity Strain

risk

#108 of 691 • Bottom 15.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.69%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

127

Total Loans

size

Value: $634.17M

Peer Median: $258.35M

#127 of 2643 Top 4.8% in $100M-$1B

182

Total Deposits

size

Value: $699.30M

Peer Median: $326.73M

#182 of 2643 Top 6.8% in $100M-$1B

198

Total Assets

size

Value: $812.11M

Peer Median: $386.57M

#198 of 2643 Top 7.5% in $100M-$1B

Top Weaknesses (2 metrics)

2410

Non-Interest-Bearing Deposit Share

funding

Value: 9.09%

Peer Median: 22.03%

#2410 of 2643 Bottom 8.9% in $100M-$1B

1989

Loan-to-Deposit Ratio

liquidity

Value: 90.69%

Peer Median: 77.95%

#1989 of 2643 Bottom 24.8% in $100M-$1B