BlastPoint's Banking Scorecard

Community State Bank

$100M-$1B Specialty: Agricultural CO FDIC cert 58732

Lamar, CO

2 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Community State Bank shows strong momentum with 4 strengths and 9.6% YoY asset growth

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

+ ROA 0.59% above tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 19.10% below tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$212.2M +9.6% YoY +6.4% QoQ	-$173.9M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$161.1M +11.1% YoY +1.8% QoQ	-$94.6M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$186.7M +9.9% YoY +8.5% QoQ	-$141.3M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.86% -11.9% YoY -12.6% QoQ	+0.59%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.37% -0.9% YoY -3.8% QoQ	+0.44%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	46.19% +8.6% YoY +6.6% QoQ	-19.10%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 10.2% in tier
Delinquency Rate ?	0.81% -10.7% YoY -11.5% QoQ	-0.07%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	86.27% +1.1% YoY -6.1% QoQ	+9.63%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	22.14% +10.6% YoY +9.2% QoQ	+0.12%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.62% -9.4% YoY -15.3% QoQ	-0.02%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	13.89% -0.8% YoY -8.1% QoQ	-1.94%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.05% +55.3% YoY -76.9% QoQ	-0.23%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	22%

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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 (0)

No matched strength signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

272

Efficiency Ratio

profitability

Value: 46.19%

Peer Median: 65.29%

#272 of 2664 Top 10.2% in $100M-$1B

440

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.27%

#440 of 2664 Top 16.5% in $100M-$1B

626

Net Interest Margin

profitability

Value: 4.37%

Peer Median: 3.93%

#626 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (1 metrics)

2091

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2091 of 2664 Bottom 21.5% in $100M-$1B