BlastPoint's Banking Scorecard
Community State Bank
Designations: ✓ Community bank
Hennessey, OK
3 branches across OK
Community State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.21% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Net Interest Margin 0.32% below tier average
- - Delinquency Rate 1.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.4M
+4.3% YoY
+10.0% QoQ
|
+$25.3M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$28.3M
+5.9% YoY
+1.6% QoQ
|
-$5.9M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$80.7M
+4.6% YoY
+10.8% QoQ
|
+$28.9M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Top 8.3% in tier |
| Return on Assets ? |
0.72%
-8.0% YoY
-9.0% QoQ
|
-0.11% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.54%
+3.6% YoY
-0.0% QoQ
|
-0.32% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
83.13%
+2.8% YoY
+2.1% QoQ
|
-5.21% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
2.83%
+90.7% YoY
-1.6% QoQ
|
+1.45% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.4% in tier |
| Loan-to-Deposit Ratio ? |
35.10%
+1.3% YoY
-8.3% QoQ
|
-29.11% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.32%
-0.9% YoY
-5.6% QoQ
|
+8.61% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.91%
+93.7% YoY
-9.1% QoQ
|
+0.13% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
19.82%
-3.0% YoY
-2.8% QoQ
|
-6.86% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.23%
-4.1% YoY
-76.8% QoQ
|
-0.44% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 10.2% in tier |
Get Full Access to Community State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.