BlastPoint's Banking Scorecard
Commercial Savings Bank
Carroll, IA
2 branches across IA
Commercial Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21.2% in tier
- + Efficiency Ratio 26.03% below tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.4% in tier
- - Net Interest Margin 0.49% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$333.5M
+3.8% YoY
-0.6% QoQ
|
-$52.6M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$273.3M
+14.4% YoY
+4.0% QoQ
|
+$17.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$277.8M
+2.4% YoY
-0.2% QoQ
|
-$50.1M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.96%
+43.7% YoY
+23.7% QoQ
|
+0.70% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 13.2% in tier |
| Net Interest Margin ? |
3.44%
+20.1% YoY
+7.7% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
39.26%
-22.8% YoY
-19.8% QoQ
|
-26.03% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 3.4% in tier |
| Delinquency Rate ? |
0.35%
+64.2% YoY
+33.2% QoQ
|
-0.53% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
98.36%
+11.8% YoY
+4.2% QoQ
|
+21.72% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.59%
+0.5% YoY
-8.4% QoQ
|
-5.43% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.29%
+81.0% YoY
+39.4% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
12.01%
-1.8% YoY
-2.3% QoQ
|
-3.82% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.07%
+20.9% YoY
-79.9% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
33% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.