BlastPoint's Banking Scorecard

Cedar Rapids State Bank

$100M-$1B Specialty: Commercial NE FDIC cert 18820

Cedar Rapids, NE

3 branches across NE

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 81 in NE.
Deposits +1.9% year over year ($157.4M on the books).
Delinquency rate 1.74%.
Return on assets 1.10%.
Efficiency ratio 57.47% vs a 64.48% peer average.
Loan-to-deposit ratio 92.21% 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 81 in NE

View $100M-$1B leaderboard (NE) →

Cedar Rapids State Bank has 1 strength but faces 5 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

+ Efficiency Ratio 7.01% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.8% in tier
- Margin Compression: Bottom 16.0% in tier
- Non-Interest-Bearing Deposit Share 14.60% below tier average
- Net Interest Margin 0.46% below tier average
- Delinquency Rate 0.82% above tier average

Get updates when Cedar Rapids State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$174.9M +1.9% YoY +1.0% QoQ	-$211.6M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	20%
Total Loans ?	$145.2M -0.7% YoY +3.5% QoQ	-$113.2M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$157.4M +1.9% YoY +0.8% QoQ	-$169.3M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	1.10% -22.4% YoY -15.2% QoQ	-0.22%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	3.52% +1.9% YoY +0.3% QoQ	-0.46%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	57.47% +2.1% YoY +0.2% QoQ	-7.01%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	1.74% +274.6% YoY +263.9% QoQ	+0.82%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	92.21% -2.5% YoY +2.6% QoQ	+14.25%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	7.43% -12.4% YoY -20.6% QoQ	-14.60%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 6.1% in tier
Nonperforming Asset Ratio ?	1.45% +265.0% YoY +272.6% QoQ	+0.78%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Bottom 12.6% in tier
Tier 1 Capital Ratio ?	12.48% -1.4% YoY -3.4% QoQ	-3.43%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.15% +10.3% YoY +116.7% QoQ	-0.42%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	33%

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 (NE)	National Avg	Tier Percentile
Noninterest-Bearing	7.4% -1.1pp YoY -1.9pp QoQ	-14.7pp	22.1%	17.6%	22.2%	6%
Brokered Deposits	20.0% -19.2pp YoY -17.8pp QoQ	+12.2pp	7.9%	8.9%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	13.0% +3.3pp YoY -0.9pp QoQ	+1.4pp	11.6%	12.3%	12.5%	68%
CRE	n/a	n/a	39.5%	32.3%	41.4%	n/a
1-4 Family	25.9% -3.8pp YoY -1.5pp QoQ	-6.8pp	32.6%	16.9%	31.3%	42%
Consumer	1.3% -0.1pp YoY -0.3pp QoQ	-2.8pp	4.1%	3.1%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	12.5% -0.2pp YoY -0.4pp QoQ	-6.3pp	18.8%	16.1%	19.7%	22%
Leverage Ratio	9.6% -0.4pp YoY +0.1pp QoQ	-2.6pp	12.2%	12.1%	12.6%	23%
Total Capital Ratio	13.5% -0.1pp YoY -0.3pp QoQ	-6.4pp	19.9%	17.3%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	19 0 YoY +1 (+5.6%) QoQ	-40	58	98	482	9%
Assets per Employee ($)	$9.2M +1.9% YoY -4.3% QoQ	+$1.7M	$7.5M	$8.5M	$8.8M	81%
Branch Count	3 0 YoY 0 QoQ	-2	4	7	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	1.6% +1.4pp YoY +1.2pp QoQ	+1.3pp	0.3%	0.4%	0.4%	96%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	18%
Allowance Coverage	0.51x -70.8% YoY -67.3% QoQ	-23.65x	24.15x	31.69x	20.23x	10%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	11.6% -3.0pp YoY -2.1pp QoQ	-0.6pp	12.2%	12.3%	11.6%	48%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.9%	1.7%	94%
Net Income ($, YTD)	$961,000 -19.0% YoY — QoQ	-$1.6M	$2.6M	$6.1M	$40.4M	25%

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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 (2)

Liquidity Strain

risk

#41 of 691 • Bottom 5.8% 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: 92.21%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Margin Compression

decline

#50 of 307 • Bottom 16.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.10%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2483

Non-Interest-Bearing Deposit Share

funding

Value: 7.43%

Peer Median: 22.03%

#2483 of 2643 Bottom 6.1% in $100M-$1B

2312

Nonperforming Asset Ratio

credit_quality

Value: 1.45%

Peer Median: 0.67%

#2312 of 2643 Bottom 12.6% in $100M-$1B

2223

Delinquency Rate

credit_quality

Value: 1.74%

Peer Median: 0.92%

#2223 of 2633 Bottom 15.6% in $100M-$1B

2112

Total Assets

size

Value: $174.94M

Peer Median: $386.57M

#2112 of 2643 Bottom 20.1% in $100M-$1B

2070

Loan-to-Deposit Ratio

liquidity

Value: 92.21%

Peer Median: 77.95%

#2070 of 2643 Bottom 21.7% in $100M-$1B

2032

Total Deposits

size

Value: $157.45M

Peer Median: $326.73M

#2032 of 2643 Bottom 23.2% in $100M-$1B