BlastPoint's Banking Scorecard
Community State Bank
Lamar, CO
2 branches across CO
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 CO.
- Deposits +2.8% year over year ($177.6M on the books).
- Delinquency rate 0.93%.
- Return on assets 1.96%.
- Efficiency ratio 44.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community State Bank shows strong momentum with 3 strengths and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.77% below tier average
- + ROA 0.64% above tier average
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.1M
+5.1% YoY
-1.9% QoQ
|
-$178.5M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$167.8M
+10.7% YoY
+4.2% QoQ
|
-$90.6M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$177.6M
+2.8% YoY
-4.9% QoQ
|
-$149.1M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.96%
-10.9% YoY
+5.3% QoQ
|
+0.64% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Top 14.0% in tier |
| Net Interest Margin ? |
4.42%
-1.0% YoY
+1.3% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
44.71%
+6.4% YoY
-3.2% QoQ
|
-19.77% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Top 8.6% in tier |
| Delinquency Rate ? |
0.93%
-16.1% YoY
+14.0% QoQ
|
+0.01% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
94.48%
+7.8% YoY
+9.5% QoQ
|
+16.53% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
19.42%
-3.7% YoY
-12.3% QoQ
|
-2.61% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.75%
-11.7% YoY
+21.1% QoQ
|
+0.08% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
14.16%
-0.8% YoY
+1.9% QoQ
|
-1.75% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.11%
-2.8% YoY
+106.6% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
22% |
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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.4%
-0.8pp YoY -2.7pp QoQ |
-2.7pp | 22.1% | 23.5% | 22.2% | 42% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.1%
-0.6pp YoY -0.3pp QoQ |
+5.6pp | 11.6% | 8.4% | 12.5% | 82% |
| CRE |
14.5%
-1.5pp YoY -0.5pp QoQ |
-25.0pp | 39.5% | 42.8% | 41.4% | 10% |
| 1-4 Family |
7.0%
-1.0pp YoY 0.0pp QoQ |
-25.6pp | 32.6% | 33.0% | 31.3% | 7% |
| Consumer |
4.0%
-0.8pp YoY -0.4pp QoQ |
-0.1pp | 4.1% | 3.9% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.2%
-0.1pp YoY +0.3pp QoQ |
-4.7pp | 18.8% | 24.9% | 19.7% | 41% |
| Leverage Ratio |
12.5%
0.0pp YoY +0.3pp QoQ |
+0.4pp | 12.2% | 12.5% | 12.6% | 70% |
| Total Capital Ratio |
15.4%
-0.1pp YoY +0.3pp QoQ |
-4.5pp | 19.9% | 26.1% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
0 YoY 0 QoQ |
-35 | 58 | 107 | 482 | 17% |
| Assets per Employee ($) |
$8.7M
+5.1% YoY -1.9% QoQ |
+$1.2M | $7.5M | $7.8M | $8.8M | 76% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.7% | 0.4% | 16% |
| Nonaccrual |
0.9%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.9% | 0.8% | 1.0% | 69% |
| Allowance Coverage |
2.89x
+34.2% YoY -10.8% QoQ |
-21.26x | 24.15x | 12.16x | 20.23x | 57% |
| Net Charge-off Rate (YTD) |
0.0%
-0.4pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.8%
-2.2pp YoY +0.8pp QoQ |
+3.6pp | 12.2% | 9.7% | 11.6% | 72% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.7% | 1.7% | 86% |
| Net Income ($, YTD) |
$2.0M
-5.1% YoY — QoQ |
-$532K | $2.6M | $5.4M | $40.4M | 53% |
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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.