BlastPoint's Banking Scorecard

CS Bank

$100M-$1B Specialty: Commercial AR FDIC cert 5635

Eureka Springs, AR

8 branches across AR · MO

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 49 in AR.
Deposits +3.6% year over year ($485.5M on the books).
Delinquency rate 1.39%.
Return on assets 2.09%.
Efficiency ratio 57.42% vs a 64.48% peer average.
Loan-to-deposit ratio 107.22% 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 49 in AR

View $100M-$1B leaderboard (AR) →

CS Bank has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 30.6% in tier
+ Net Interest Margin 0.96% above tier average
+ ROA 0.77% above tier average
+ Efficiency Ratio 7.06% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 29.27% above tier average
- Delinquency Rate 0.47% above tier average

Get updates when CS Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$628.5M +5.8% YoY +1.2% QoQ	+$241.9M	$386.6M +1.2% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$520.6M +9.4% YoY +2.6% QoQ	+$262.2M	$258.3M +1.7% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	Top 9.8% in tier
Total Deposits ?	$485.5M +3.6% YoY +1.1% QoQ	+$158.8M	$326.7M +0.7% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	2.09% +3.1% YoY +3.6% QoQ	+0.77%	1.32% +10.8% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	Top 11.4% in tier
Net Interest Margin ?	4.94% +4.1% YoY +1.4% QoQ	+0.96%	3.99% +5.0% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	Top 8.8% in tier
Efficiency Ratio ?	57.42% +3.3% YoY -0.6% QoQ	-7.06%	64.48% -3.2% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	1.39% +112.0% YoY +6.7% QoQ	+0.47%	0.92% +15.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	107.22% +5.6% YoY +1.5% QoQ	+29.27%	77.95% +1.0% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	Bottom 4.8% in tier
Non-Interest-Bearing Deposit Share ?	13.00% -0.6% YoY +3.2% QoQ	-9.03%	22.03% -0.6% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	1.19% +123.4% YoY +7.8% QoQ	+0.53%	0.67% +16.4% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	11.97% +7.0% YoY +0.7% QoQ	-3.94%	15.91% +1.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.44% -2.5% YoY +112.7% QoQ	-0.12%	0.57% +7.6% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	Top 11.7% 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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	13.0% -0.1pp YoY +0.4pp QoQ	-9.1pp	22.1%	19.6%	22.2%	17%
Brokered Deposits	2.1% +2.1pp YoY +2.1pp QoQ	-5.8pp	7.9%	7.2%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	5.4% -0.5pp YoY -0.5pp QoQ	-6.2pp	11.6%	12.7%	12.5%	22%
CRE	29.5% +0.2pp YoY +0.2pp QoQ	-10.0pp	39.5%	41.0%	41.4%	34%
1-4 Family	42.6% -0.2pp YoY +0.4pp QoQ	+9.9pp	32.6%	28.1%	31.3%	74%
Consumer	3.5% -0.6pp YoY -0.2pp QoQ	-0.7pp	4.1%	4.5%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	12.0% +0.8pp YoY +0.1pp QoQ	-0.2pp	12.2%	11.9%	12.6%	65%
Total Capital Ratio	n/a	n/a	19.9%	16.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	109 +2 (+1.9%) YoY 0 QoQ	+50	58	315	482	89%
Assets per Employee ($)	$5.8M +3.9% YoY +1.2% QoQ	-$1.8M	$7.5M	$6.7M	$8.8M	28%
Branch Count	8 +1 (+14.3%) YoY 0 QoQ	+3	4	25	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.4%	55%
Nonaccrual	1.3% +0.8pp YoY +0.1pp QoQ	+0.3pp	0.9%	1.1%	1.0%	77%
Allowance Coverage	1.27x -52.0% YoY -8.3% QoQ	-22.88x	24.15x	4.69x	20.23x	34%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	0.0pp	0.1%	0.2%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	17.7% -0.9pp YoY +0.5pp QoQ	+5.5pp	12.2%	12.3%	11.6%	81%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	2.0%	1.7%	82%
Net Income ($, YTD)	$6.5M +6.5% YoY — QoQ	+$3.9M	$2.6M	$16.0M	$40.4M	94%

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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 (1)

Revenue Diversifier

growth

#203 of 661 • Top 30.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.44%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.09%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

233

Net Interest Margin

profitability

Value: 4.94%

Peer Median: 3.99%

#233 of 2643 Top 8.8% in $100M-$1B

260

Total Loans

size

Value: $520.56M

Peer Median: $258.35M

#260 of 2643 Top 9.8% in $100M-$1B

302

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.32%

#302 of 2643 Top 11.4% in $100M-$1B

309

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#309 of 2643 Top 11.7% in $100M-$1B

462

Total Assets

size

Value: $628.45M

Peer Median: $386.57M

#462 of 2643 Top 17.4% in $100M-$1B

576

Total Deposits

size

Value: $485.52M

Peer Median: $326.73M

#576 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (4 metrics)

2518

Loan-to-Deposit Ratio

liquidity

Value: 107.22%

Peer Median: 77.95%

#2518 of 2643 Bottom 4.8% in $100M-$1B

2208

Nonperforming Asset Ratio

credit_quality

Value: 1.19%

Peer Median: 0.67%

#2208 of 2643 Bottom 16.5% in $100M-$1B

2181

Non-Interest-Bearing Deposit Share

funding

Value: 13.00%

Peer Median: 22.03%

#2181 of 2643 Bottom 17.5% in $100M-$1B

2107

Delinquency Rate

credit_quality

Value: 1.39%

Peer Median: 0.92%

#2107 of 2633 Bottom 20.0% in $100M-$1B