BlastPoint's Banking Scorecard
Community State Bank
Brook, IN
2 branches across IN
Community State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.11% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 27.0% in tier
- - Loan-to-Deposit Ratio 22.12% above tier average
- - ROA 0.20% below tier average
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.0M
+9.2% YoY
+2.8% QoQ
|
-$231.0M |
$386.1M
+0.5% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$127.9M
+14.9% YoY
+0.4% QoQ
|
-$127.8M |
$255.7M
+1.1% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$129.5M
+7.1% YoY
+2.1% QoQ
|
-$198.4M |
$328.0M
+0.1% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
1.07%
+46.8% YoY
+19.8% QoQ
|
-0.20% |
1.27%
+12.9% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.55%
+14.5% YoY
+7.5% QoQ
|
-0.38% |
3.93%
+6.0% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
56.18%
-14.4% YoY
-8.1% QoQ
|
-9.11% |
65.29%
-4.5% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.48%
+20.5% YoY
-1.4% QoQ
|
-0.41% |
0.89%
+18.8% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
98.76%
+7.3% YoY
-1.7% QoQ
|
+22.12% |
76.64%
+0.8% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.02%
-0.7% YoY
+2.0% QoQ
|
-8.00% |
22.02%
-1.0% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.39%
+26.8% YoY
-3.7% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
9.32%
+0.9% YoY
+1.5% QoQ
|
-6.51% |
15.83%
+1.5% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.7% in tier |
| Non-Interest Income / Assets ? |
0.05%
-7.2% YoY
-79.3% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
19% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.