BlastPoint's Banking Scorecard
City State Bank
Community
Specialty: Commercial
IA
FDIC cert 14410
Norwalk, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
City State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 35% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12% in Community
- - Capital Thin: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$774.9M
+1.3% YoY
+5.7% QoQ
|
-$616.6M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$575.1M
+2.2% YoY
-1.4% QoQ
|
-$400.4M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$684.1M
+0.2% YoY
+6.6% QoQ
|
-$480.5M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.51%
+29.3% YoY
+1.0% QoQ
|
+0.34% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.06%
+14.8% YoY
+1.1% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
61.53%
-5.5% YoY
+0.8% QoQ
|
-1.10% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.34%
+146.3% YoY
-8.4% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
84.06%
+1.9% YoY
-7.5% QoQ
|
+1.00% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
19.90%
+8.9% YoY
+4.4% QoQ
|
-1.15% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.25%
+148.5% YoY
-14.6% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.29%
+10.9% YoY
+27.8% QoQ
|
+0.55% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#132 of 371 · Top 35% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.29%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.51%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#78 of 642 · Bottom 12% 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
|
QoQ rank improving
Capital Thin
risk
#95 of 432 · Bottom 22% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
91
91th pctile
Non-Interest Income / Assets
Current: 1.29% · Tier avg: 0.74%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 83.06%
52
52th pctile
Efficiency Ratio
Current: 61.53% · Tier avg: 62.63%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.90% · Tier avg: 21.05%
39
39th pctile
Total Loans
Current: $575.1M · Tier avg: $975.5M
37
37th pctile
Total Deposits
Current: $684.1M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $774.9M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
Top Weaknesses
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Assets
Current: $774.9M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $684.1M · Tier avg: $1.2B
39
39th pctile
Total Loans
Current: $575.1M · Tier avg: $975.5M
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.90% · Tier avg: 21.05%
52
52th pctile
Efficiency Ratio
Current: 61.53% · Tier avg: 62.63%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 83.06%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
91
91th pctile
Non-Interest Income / Assets
Current: 1.29% · Tier avg: 0.74%