BlastPoint's Banking Scorecard
Community State Bank
Union Grove, WI
7 branches across WI
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 110 in WI.
- Deposits +7.9% year over year ($621.3M on the books).
- Delinquency rate 0.28%.
- Return on assets 1.39%.
- Efficiency ratio 65.68% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.10% below tier average
- - Efficiency Ratio 1.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$667.5M
+8.2% YoY
+2.4% QoQ
|
+$280.9M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Top 14.2% in tier |
| Total Loans ? |
$363.9M
+9.3% YoY
+5.5% QoQ
|
+$105.6M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$621.3M
+7.9% YoY
+2.4% QoQ
|
+$294.5M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
Top 10.8% in tier |
| Return on Assets ? |
1.39%
+27.9% YoY
+0.8% QoQ
|
+0.07% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.89%
+4.5% YoY
+2.0% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
65.68%
-8.6% YoY
+0.0% QoQ
|
+1.20% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.28%
-13.0% YoY
+114.4% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
58.58%
+1.3% YoY
+3.0% QoQ
|
-19.38% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
33.59%
+6.8% YoY
+4.6% QoQ
|
+11.56% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
Top 11.4% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-12.1% YoY
+121.0% QoQ
|
-0.52% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
9.62%
-1.9% YoY
+0.8% QoQ
|
-6.29% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.2% in tier |
| Non-Interest Income / Assets ? |
0.22%
+0.6% YoY
+75.0% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
55% |
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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.6%
+2.2pp YoY +1.5pp QoQ |
+11.4pp | 22.1% | 18.9% | 22.2% | 89% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.1%
-1.6pp YoY +0.7pp QoQ |
+9.5pp | 11.6% | 10.5% | 12.5% | 90% |
| CRE |
53.6%
+1.7pp YoY +0.9pp QoQ |
+14.0pp | 39.5% | 46.4% | 41.4% | 76% |
| 1-4 Family |
21.6%
+0.9pp YoY -1.4pp QoQ |
-11.0pp | 32.6% | 32.3% | 31.3% | 34% |
| Consumer |
0.2%
-0.2pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 2.6% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-0.2pp YoY +0.1pp QoQ |
-2.5pp | 12.2% | 12.6% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
87
-8 (-8.4%) YoY +1 (+1.2%) QoQ |
+28 | 58 | 134 | 482 | 81% |
| Assets per Employee ($) |
$7.7M
+18.1% YoY +1.2% QoQ |
+$154K | $7.5M | $8.2M | $8.8M | 63% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 9 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY +0.2pp QoQ |
-0.7pp | 0.9% | 0.9% | 1.0% | 37% |
| Allowance Coverage |
5.41x
+7.7% YoY -55.8% QoQ |
-18.75x | 24.15x | 56.89x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.0% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.7%
+1.3pp YoY +0.3pp QoQ |
+10.5pp | 12.2% | 11.8% | 11.6% | 93% |
| Cost of Funds (YTD) |
0.8%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 6% |
| Net Income ($, YTD) |
$4.6M
+35.7% YoY — QoQ |
+$2.0M | $2.6M | $7.9M | $40.4M | 84% |
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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.