BlastPoint's Banking Scorecard
Community Savings Bank
Community
Specialty: Agricultural
IA
FDIC cert 14633
Edgewood, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Community Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$618.4M
+1.4% YoY
+3.1% QoQ
|
-$773.0M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$428.6M
-3.5% YoY
-1.2% QoQ
|
-$546.9M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$493.9M
+5.6% YoY
+7.6% QoQ
|
-$670.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.94%
+27.9% YoY
+1.6% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.24%
+10.8% YoY
+0.6% QoQ
|
-0.43% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
69.98%
-7.4% YoY
-0.6% QoQ
|
+7.35% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
1.50%
+395.2% YoY
+50.4% QoQ
|
+0.87% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
86.79%
-8.6% YoY
-8.2% QoQ
|
+3.72% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
18.38%
+3.6% YoY
+11.8% QoQ
|
-2.66% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.04%
+321.8% YoY
+44.0% QoQ
|
+0.54% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
12.81%
+6.6% YoY
-0.1% QoQ
|
+2.56% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.43%
-5.2% YoY
+30.2% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#106 of 245 · Bottom 43% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.79% · Tier avg: 83.06%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.81% · Tier avg: 10.24%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
27
27th pctile
Efficiency Ratio
Current: 69.98% · Tier avg: 62.63%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
19
19th pctile
Total Loans
Current: $428.6M · Tier avg: $975.5M
19
19th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.50%
17
17th pctile
Total Assets
Current: $618.4M · Tier avg: $1.4B
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
12
12th pctile
Total Deposits
Current: $493.9M · Tier avg: $1.2B
Top Weaknesses
12
12th pctile
Total Deposits
Current: $493.9M · Tier avg: $1.2B
16
16th pctile
Delinquency Rate
Current: 1.50% · Tier avg: 0.63%
17
17th pctile
Total Assets
Current: $618.4M · Tier avg: $1.4B
19
19th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.50%
19
19th pctile
Total Loans
Current: $428.6M · Tier avg: $975.5M
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
27
27th pctile
Efficiency Ratio
Current: 69.98% · Tier avg: 62.63%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.38% · Tier avg: 21.05%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.81% · Tier avg: 10.24%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.79% · Tier avg: 83.06%