BlastPoint's Banking Scorecard
Community State Bank
Galva, IL
8 branches across IL
Community State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Efficiency Ratio 5.76% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.25% below tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$403.9M
+9.8% YoY
+4.1% QoQ
|
+$17.8M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$293.8M
+12.9% YoY
+5.9% QoQ
|
+$38.1M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$361.1M
+10.3% YoY
+4.3% QoQ
|
+$33.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.37%
-3.2% YoY
-2.2% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
3.91%
+6.5% YoY
+5.0% QoQ
|
-0.02% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
59.53%
+7.0% YoY
+4.8% QoQ
|
-5.76% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
1.22%
-9.3% YoY
+1.7% QoQ
|
+0.33% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
81.35%
+2.4% YoY
+1.5% QoQ
|
+4.71% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
16.90%
-5.0% YoY
+3.5% QoQ
|
-5.12% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.89%
-6.7% YoY
+3.4% QoQ
|
+0.25% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
9.85%
-1.2% YoY
-3.3% QoQ
|
-5.98% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.8% in tier |
| Non-Interest Income / Assets ? |
0.03%
-25.2% YoY
-80.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.6% in tier |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.