BlastPoint's Banking Scorecard
CS Bank
Eureka Springs, AR
8 branches across AR · MO
CS Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 36.5% in tier
- + Net Interest Margin 0.95% above tier average
- + ROA 0.75% above tier average
- + Efficiency Ratio 7.49% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.02% above tier average
- - Delinquency Rate 0.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$621.0M
+3.3% YoY
+1.1% QoQ
|
+$234.9M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$507.5M
+7.1% YoY
+2.6% QoQ
|
+$251.8M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
Top 10.3% in tier |
| Total Deposits ? |
$480.4M
+1.6% YoY
+1.2% QoQ
|
+$152.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
2.02%
+3.3% YoY
-10.2% QoQ
|
+0.75% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Top 12.0% in tier |
| Net Interest Margin ? |
4.88%
+6.0% YoY
+0.6% QoQ
|
+0.95% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Top 9.2% in tier |
| Efficiency Ratio ? |
57.79%
+4.1% YoY
+9.0% QoQ
|
-7.49% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
1.30%
+85.7% YoY
+44.4% QoQ
|
+0.42% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
105.66%
+5.4% YoY
+1.4% QoQ
|
+29.02% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.60%
+4.1% YoY
+0.5% QoQ
|
-9.42% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.11%
+81.1% YoY
+43.9% QoQ
|
+0.47% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
11.88%
+8.3% YoY
+1.7% QoQ
|
-3.95% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.21%
-4.0% YoY
-78.9% QoQ
|
-0.07% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 12.7% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.