BlastPoint's Banking Scorecard
Central State Bank
Community
Specialty: Commercial
IA
FDIC cert 10903
State Center, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Central State Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Community
- - Liquidity Strain: Bottom 12% in Community
- - Net Interest Margin 1.65% below tier
- - Non-Interest-Bearing Deposit Share 15.76% below tier
- - Non-Interest Income / Assets 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$568.6M
+4.8% YoY
+3.7% QoQ
|
-$822.9M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$444.1M
+2.0% YoY
+4.1% QoQ
|
-$531.4M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$477.6M
+4.8% YoY
+4.1% QoQ
|
-$687.0M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.68%
-6.4% YoY
+12.6% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.02%
+7.5% YoY
+3.2% QoQ
|
-1.65% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
64.60%
-3.5% YoY
-5.1% QoQ
|
+1.97% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.17%
-77.2% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
92.98%
-2.7% YoY
-0.0% QoQ
|
+9.92% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
5.29%
+0.1% YoY
+15.4% QoQ
|
-15.76% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.13%
-77.1% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 11.14% | +0.89% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.03%
-5.7% YoY
+31.6% QoQ
|
-0.71% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Credit Risk Growth
risk
#55 of 642 · Bottom 8% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#65 of 513 · Bottom 12% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.98%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.02%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.29%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
43
43th pctile
Efficiency Ratio
Current: 64.60% · Tier avg: 62.63%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.14% · Tier avg: 10.24%
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 83.06%
22
22th pctile
Total Loans
Current: $444.1M · Tier avg: $975.5M
18
18th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
10
10th pctile
Total Assets
Current: $568.6M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $477.6M · Tier avg: $1.2B
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.29% · Tier avg: 21.05%
2
2th pctile
Net Interest Margin
Current: 2.02% · Tier avg: 3.66%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
2
2th pctile
Net Interest Margin
Current: 2.02% · Tier avg: 3.66%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.29% · Tier avg: 21.05%
9
9th pctile
Total Deposits
Current: $477.6M · Tier avg: $1.2B
10
10th pctile
Total Assets
Current: $568.6M · Tier avg: $1.4B
18
18th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
22
22th pctile
Total Loans
Current: $444.1M · Tier avg: $975.5M
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 83.06%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.14% · Tier avg: 10.24%
43
43th pctile
Efficiency Ratio
Current: 64.60% · Tier avg: 62.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%