BlastPoint's Banking Scorecard
Community State Bank
Designations: ✓ Community bank
Hennessey, OK
3 branches across OK
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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +4.7% year over year ($82.8M on the books).
- Delinquency rate 2.91%.
- Return on assets 0.79%.
- Efficiency ratio 81.92% vs a 119.40% peer average.
- Loan-to-deposit ratio 32.74% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.90% below tier average
- + Efficiency Ratio 37.47% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Net Interest Margin 0.36% below tier average
- - Delinquency Rate 1.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.7M
+4.5% YoY
+2.6% QoQ
|
+$27.3M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Top 14.0% in tier |
| Total Loans ? |
$27.1M
-3.6% YoY
-4.3% QoQ
|
-$7.8M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$82.8M
+4.7% YoY
+2.7% QoQ
|
+$31.2M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 6.2% in tier |
| Return on Assets ? |
0.79%
-8.4% YoY
+8.9% QoQ
|
-0.21% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.55%
+2.4% YoY
+0.3% QoQ
|
-0.36% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
81.92%
+3.0% YoY
-1.5% QoQ
|
-37.47% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
2.91%
+102.4% YoY
+3.1% QoQ
|
+1.43% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.8% in tier |
| Loan-to-Deposit Ratio ? |
32.74%
-8.0% YoY
-6.7% QoQ
|
-41.47% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.45%
+0.5% YoY
+0.4% QoQ
|
+8.96% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.88%
+86.6% YoY
-3.7% QoQ
|
+0.04% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
20.40%
+3.6% YoY
+2.9% QoQ
|
-6.72% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.48%
+2.5% YoY
+111.0% QoQ
|
-0.90% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Top 8.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.4%
+0.2pp YoY +0.1pp QoQ |
+7.8pp | 24.6% | 23.9% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.8%
+1.3pp YoY 0.0pp QoQ |
+15.4pp | 13.4% | 15.7% | 12.5% | 90% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
18.3%
-1.6pp YoY +0.5pp QoQ |
-16.7pp | 35.0% | 24.0% | 31.3% | 34% |
| Consumer |
6.6%
+0.5pp YoY +0.1pp QoQ |
-1.0pp | 7.7% | 5.6% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.4%
+0.7pp YoY +0.6pp QoQ |
-18.3pp | 38.7% | 17.0% | 19.7% | 49% |
| Leverage Ratio |
7.5%
-0.3pp YoY -0.4pp QoQ |
-10.2pp | 17.7% | 11.7% | 12.6% | 1% |
| Total Capital Ratio |
21.7%
+0.7pp YoY +0.6pp QoQ |
-18.0pp | 39.7% | 18.2% | 20.8% | 49% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
+1 (+5.6%) YoY 0 QoQ |
+7 | 12 | 150 | 482 | 87% |
| Assets per Employee ($) |
$4.7M
-1.0% YoY +2.6% QoQ |
-$1.5M | $6.2M | $6.5M | $8.8M | 31% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 8 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.5%
+1.4pp YoY 0.0pp QoQ |
+0.5pp | 1.0% | 0.9% | 0.4% | 83% |
| Nonaccrual |
1.4%
0.0pp YoY +0.1pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.0% | 66% |
| Allowance Coverage |
0.73x
-49.0% YoY -1.0% QoQ |
-5.68x | 6.41x | 61.99x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-0.8pp YoY +1.0pp QoQ |
+3.6pp | 6.4% | 11.9% | 11.6% | 61% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.8% | 1.7% | 18% |
| Net Income ($, YTD) |
$337,000
-6.1% YoY — QoQ |
+$19K | $317,817 | $8.7M | $40.4M | 56% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.