BlastPoint's Banking Scorecard
Community State Bank
Community
Specialty: Commercial
IN
FDIC cert 14883
Avilla, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Community State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 34% in Community
- - Cost Spiral: Bottom 59% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$572.4M
+8.7% YoY
+8.2% QoQ
|
-$819.1M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$381.9M
-0.3% YoY
-1.6% QoQ
|
-$593.6M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$522.7M
+13.8% YoY
+8.9% QoQ
|
-$641.9M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.01%
-9.4% YoY
-1.9% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.67%
+4.0% YoY
+0.0% QoQ
|
+0.01% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
63.59%
+9.4% YoY
-0.8% QoQ
|
+0.96% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.07%
-90.3% YoY
-39.0% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
73.07%
-12.4% YoY
-9.6% QoQ
|
-9.99% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
18.13%
-11.0% YoY
-8.3% QoQ
|
-2.91% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.05%
-91.1% YoY
-44.6% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
13.47%
+11.1% YoY
+4.6% QoQ
|
+3.23% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.34%
+35.2% YoY
+24.8% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Margin Compression
decline
#42 of 120 · Bottom 34% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.01%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#24 of 40 · Bottom 59% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
63.59%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
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
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.07% · Tier avg: 83.06%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 10.24%
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
46
46th pctile
Efficiency Ratio
Current: 63.59% · Tier avg: 62.63%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.13% · Tier avg: 21.05%
39
39th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
16
16th pctile
Total Deposits
Current: $522.7M · Tier avg: $1.2B
12
12th pctile
Total Loans
Current: $381.9M · Tier avg: $975.5M
11
11th pctile
Total Assets
Current: $572.4M · Tier avg: $1.4B
Top Weaknesses
11
11th pctile
Total Assets
Current: $572.4M · Tier avg: $1.4B
12
12th pctile
Total Loans
Current: $381.9M · Tier avg: $975.5M
16
16th pctile
Total Deposits
Current: $522.7M · Tier avg: $1.2B
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
39
39th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.13% · Tier avg: 21.05%
46
46th pctile
Efficiency Ratio
Current: 63.59% · Tier avg: 62.63%
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 10.24%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.07% · Tier avg: 83.06%
86
86th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%