BlastPoint's Banking Scorecard
Community State Bank
Union Grove, WI
7 branches across WI
Community State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36.2% in tier
- - Net Interest Margin 0.12% below tier average
- - Efficiency Ratio 0.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$651.9M
+5.6% YoY
+2.0% QoQ
|
+$265.9M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$344.9M
+6.4% YoY
+4.7% QoQ
|
+$89.2M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$606.5M
+4.7% YoY
+2.1% QoQ
|
+$278.6M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 12.0% in tier |
| Return on Assets ? |
1.38%
+19.8% YoY
+18.7% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.81%
+3.8% YoY
+0.9% QoQ
|
-0.12% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
65.68%
-6.4% YoY
-6.6% QoQ
|
+0.39% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.13%
-61.2% YoY
-26.4% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
56.86%
+1.6% YoY
+2.5% QoQ
|
-19.78% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
32.10%
+2.6% YoY
-1.2% QoQ
|
+10.09% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Top 13.7% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-60.9% YoY
-24.4% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
9.55%
+0.0% YoY
-1.8% QoQ
|
-6.28% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.1% in tier |
| Non-Interest Income / Assets ? |
0.12%
+6.6% YoY
-70.7% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
65% |
Get Full Access to Community State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.