BlastPoint's Banking Scorecard

The Community State Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 20279

Poteau, OK

6 branches across OK

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 106 in OK.
Deposits +8.8% year over year ($363.3M on the books).
Delinquency rate 0.27%.
Return on assets 0.84%.
Efficiency ratio 77.76% vs a 64.48% peer average.
Loan-to-deposit ratio 79.31% 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 106 in OK

View $100M-$1B leaderboard (OK) →

The Community State Bank has 2 strengths but faces 4 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

+ Net Interest Margin 0.55% above tier average
+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.3% in tier
- Margin Compression: Bottom 32.2% in tier
- Credit Risk Growth: Bottom 43.8% in tier
- Efficiency Ratio 13.28% above tier average

Get updates when The Community State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$393.1M +9.7% YoY +0.7% QoQ	+$6.5M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$288.2M +10.5% YoY +3.1% QoQ	+$29.8M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$363.3M +8.8% YoY +0.6% QoQ	+$36.6M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	0.84% -17.9% YoY +2.1% QoQ	-0.48%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	4.54% +4.1% YoY +4.9% QoQ	+0.55%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	77.76% +1.8% YoY +1.9% QoQ	+13.28%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	0.27% +28.0% YoY -25.8% QoQ	-0.65%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	79.31% +1.6% YoY +2.4% QoQ	+1.36%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	51%
Non-Interest-Bearing Deposit Share ?	26.83% +3.8% YoY +1.2% QoQ	+4.80%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	72%
Nonperforming Asset Ratio ?	0.27% +77.3% YoY -3.0% QoQ	-0.40%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	54%
Tier 1 Capital Ratio ?	9.05% -29.3% YoY -29.2% QoQ	-6.86%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 1.3% in tier
Non-Interest Income / Assets ?	0.42% -7.0% YoY +101.1% QoQ	-0.15%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 13.5% in tier

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	26.8% +1.0pp YoY +0.3pp QoQ	+4.7pp	22.1%	23.9%	22.2%	72%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	9.7%	8.5%	1%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	9.7% -0.1pp YoY -0.3pp QoQ	-1.9pp	11.6%	15.7%	12.5%	50%
CRE	24.6% -2.1pp YoY -1.5pp QoQ	-15.0pp	39.5%	42.0%	41.4%	26%
1-4 Family	32.6% +1.5pp YoY +0.4pp QoQ	0.0pp	32.6%	24.0%	31.3%	57%
Consumer	6.4% -0.5pp YoY +0.2pp QoQ	+2.2pp	4.1%	5.6%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	9.1% -0.2pp YoY -0.1pp QoQ	-3.1pp	12.2%	11.7%	12.6%	13%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	116 +3 (+2.7%) YoY +3 (+2.7%) QoQ	+57	58	150	482	91%
Assets per Employee ($)	$3.4M +6.9% YoY -1.9% QoQ	-$4.1M	$7.5M	$6.5M	$8.8M	2%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY -0.1pp QoQ	-0.7pp	0.9%	1.5%	1.0%	36%
Allowance Coverage	4.67x -29.2% YoY +35.8% QoQ	-19.48x	24.15x	61.99x	20.23x	69%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.2%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	11.7% -4.3pp YoY +0.2pp QoQ	-0.5pp	12.2%	11.9%	11.6%	48%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	68%
Net Income ($, YTD)	$1.6M -11.9% YoY — QoQ	-$929K	$2.6M	$8.7M	$40.4M	45%

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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 Quality Pressure

risk

#218 of 1256 • Bottom 17.3% in tier

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

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Margin Compression

decline

#100 of 307 • Bottom 32.2% 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: 0.84%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#411 of 936 • Bottom 43.8% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 (2 metrics)

358

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#358 of 2643 Top 13.5% in $100M-$1B

503

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.99%

#503 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (2 metrics)

2609

Tier 1 Capital Ratio

capital

Value: 9.05%

Peer Median: 15.91%

#2609 of 2643 Bottom 1.3% in $100M-$1B

2208

Efficiency Ratio

profitability

Value: 77.76%

Peer Median: 64.48%

#2208 of 2643 Bottom 16.5% in $100M-$1B