BlastPoint's Banking Scorecard
COMMUNITY STATE BANK
Designations: ✓ Community bank
Bradley, AR
2 branches across AR
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 5 in AR.
- Deposits +18.1% year over year ($76.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.83%.
- Efficiency ratio 69.37% vs a 119.40% peer average.
- Loan-to-deposit ratio 102.37% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
COMMUNITY STATE BANK has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.55% above tier average
- + Efficiency Ratio 50.03% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.16% above tier average
- - ROA 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.8M
+22.0% YoY
+1.2% QoQ
|
+$27.3M |
$62.4M
-0.0% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
Top 13.8% in tier |
| Total Loans ? |
$78.1M
+20.4% YoY
+2.3% QoQ
|
+$43.2M |
$34.9M
-0.6% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
Top 1.9% in tier |
| Total Deposits ? |
$76.3M
+18.1% YoY
-3.8% QoQ
|
+$24.7M |
$51.6M
-0.2% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
Top 14.2% in tier |
| Return on Assets ? |
0.83%
+91.9% YoY
+30.1% QoQ
|
-0.17% |
1.00%
+3.5% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.47%
-3.9% YoY
+2.8% QoQ
|
+0.55% |
3.91%
+2.3% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
69.37%
-12.2% YoY
-6.8% QoQ
|
-50.03% |
119.40%
+49.6% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
102.37%
+1.9% YoY
+6.4% QoQ
|
+28.16% |
74.21%
+12.6% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.32%
-7.9% YoY
-6.9% QoQ
|
-8.17% |
23.49%
+0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.98%
-12.8% YoY
-2.2% QoQ
|
-17.15% |
27.13%
+3.0% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
-4.6% YoY
+106.1% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
53% |
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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.3%
-1.3pp YoY -1.1pp QoQ |
-9.3pp | 24.6% | 19.6% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.2%
-7.7pp YoY -0.6pp QoQ |
+14.8pp | 13.4% | 12.7% | 12.5% | 89% |
| CRE |
47.0%
+10.5pp YoY -0.1pp QoQ |
+21.8pp | 25.2% | 41.0% | 41.4% | 89% |
| 1-4 Family |
18.5%
-0.3pp YoY +0.8pp QoQ |
-16.5pp | 35.0% | 28.1% | 31.3% | 34% |
| Consumer |
2.9%
-0.6pp YoY 0.0pp QoQ |
-4.7pp | 7.7% | 4.5% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
10.0%
-1.5pp YoY -0.2pp QoQ |
-7.7pp | 17.7% | 11.9% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+1 (+8.3%) YoY +1 (+8.3%) QoQ |
+1 | 12 | 315 | 482 | 62% |
| Assets per Employee ($) |
$6.9M
+12.6% YoY -6.5% QoQ |
+$718K | $6.2M | $6.7M | $8.8M | 65% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 25 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 4.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.9%
+4.5pp YoY +1.9pp QoQ |
+1.5pp | 6.4% | 12.3% | 11.6% | 49% |
| Cost of Funds (YTD) |
2.9%
-0.2pp YoY -0.1pp QoQ |
+1.5pp | 1.4% | 2.0% | 1.7% | 98% |
| Net Income ($, YTD) |
$358,000
+145.2% YoY — QoQ |
+$40K | $317,817 | $16.0M | $40.4M | 59% |
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.