BlastPoint's Banking Scorecard

Community State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 23257

Galva, IL

9 branches across IL · AL

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 211 in IL.
Deposits +20.3% year over year ($399.1M on the books).
Delinquency rate 1.40%.
Return on assets 1.30%.
Efficiency ratio 61.08% vs a 64.48% peer average.
Loan-to-deposit ratio 74.60% 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 211 in IL

View $100M-$1B leaderboard (IL) →

Community State Bank has 1 strength 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

+ Efficiency Ratio 3.40% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 41.3% in tier
- Credit Quality Pressure: Bottom 48.2% in tier
- Non-Interest Income / Assets 0.50% below tier average
- Net Interest Margin 0.15% below tier average

Get updates when Community State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$441.9M +18.6% YoY +9.4% QoQ	+$55.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$297.7M +15.3% YoY +1.3% QoQ	+$39.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$399.1M +20.3% YoY +10.5% QoQ	+$72.3M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.30% -15.1% YoY -5.1% QoQ	-0.03%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	3.84% +1.9% YoY -1.9% QoQ	-0.15%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	61.08% +13.7% YoY +2.6% QoQ	-3.40%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	1.40% +4.7% YoY +14.7% QoQ	+0.48%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	74.60% -4.2% YoY -8.3% QoQ	-3.35%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	16.52% -4.4% YoY -2.3% QoQ	-5.51%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.94% +1.8% YoY +6.2% QoQ	+0.28%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	9.41% -7.7% YoY -4.4% QoQ	-6.50%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 4.2% in tier
Non-Interest Income / Assets ?	0.06% -26.1% YoY +93.8% QoQ	-0.50%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 8.4% 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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	16.5% -0.8pp YoY -0.4pp QoQ	-5.6pp	22.1%	20.1%	22.2%	30%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	11.9% -0.4pp YoY +0.8pp QoQ	+0.4pp	11.6%	14.7%	12.5%	63%
CRE	63.8% +8.4pp YoY +2.2pp QoQ	+24.3pp	39.5%	37.9%	41.4%	88%
1-4 Family	12.6% -3.8pp YoY -1.5pp QoQ	-20.0pp	32.6%	28.3%	31.3%	15%
Consumer	1.0% -0.3pp YoY 0.0pp QoQ	-3.1pp	4.1%	5.4%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	9.4% -0.8pp YoY -0.4pp QoQ	-2.8pp	12.2%	12.2%	12.6%	19%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	65 +13 (+25.0%) YoY +6 (+10.2%) QoQ	+6	58	228	482	67%
Assets per Employee ($)	$6.8M -5.1% YoY -0.7% QoQ	-$720K	$7.5M	$8.3M	$8.8M	48%
Branch Count	9 +3 (+50.0%) YoY +1 (+12.5%) QoQ	+4	4	10	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% -1.0pp YoY +0.2pp QoQ	0.0pp	0.3%	0.4%	0.4%	76%
Nonaccrual	1.1% +1.1pp YoY 0.0pp QoQ	+0.1pp	0.9%	1.1%	1.0%	73%
Allowance Coverage	1.05x -10.5% YoY -12.4% QoQ	-23.10x	24.15x	5.62x	20.23x	28%
Net Charge-off Rate (YTD)	-0.0% +0.3pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.1% -1.6pp YoY -0.3pp QoQ	+0.9pp	12.2%	10.5%	11.6%	57%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	72%
Net Income ($, YTD)	$2.7M -5.5% YoY — QoQ	+$111K	$2.6M	$11.7M	$40.4M	65%

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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)

Cost Spiral

risk

#58 of 138 • Bottom 41.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 61.08%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Credit Quality Pressure

risk

#606 of 1256 • Bottom 48.2% in tier

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

Why this signature

Delinquency Rate: 1.40%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (4 metrics)

2533

Tier 1 Capital Ratio

capital

Value: 9.41%

Peer Median: 15.91%

#2533 of 2643 Bottom 4.2% in $100M-$1B

2423

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2423 of 2643 Bottom 8.4% in $100M-$1B

2113

Delinquency Rate

credit_quality

Value: 1.40%

Peer Median: 0.92%

#2113 of 2633 Bottom 19.8% in $100M-$1B

2073

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.67%

#2073 of 2643 Bottom 21.6% in $100M-$1B