BlastPoint's Banking Scorecard
Community State Bank
Spencer, IA
7 branches across IA
Community State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.84% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 42.0% in tier
- - Capital Thin: Bottom 48.4% in tier
- - Net Interest Margin 0.83% below tier average
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$341.5M
+5.5% YoY
-0.3% QoQ
|
-$44.6M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$156.0M
-0.4% YoY
-1.3% QoQ
|
-$99.7M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$293.6M
+4.6% YoY
+0.8% QoQ
|
-$34.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
1.18%
-13.3% YoY
-6.2% QoQ
|
-0.08% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.10%
-2.7% YoY
-4.5% QoQ
|
-0.83% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio ? |
60.44%
+6.9% YoY
+5.4% QoQ
|
-4.84% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.99%
+309.8% YoY
+182.3% QoQ
|
+0.10% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
53.16%
-4.8% YoY
-2.1% QoQ
|
-23.48% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.84%
-2.9% YoY
-1.7% QoQ
|
-2.18% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.81%
+100.0% YoY
+56.6% QoQ
|
+0.17% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.33%
-2.4% YoY
-0.5% QoQ
|
-5.50% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.2% in tier |
| Non-Interest Income / Assets ? |
0.05%
-37.5% YoY
-82.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.