BlastPoint's Banking Scorecard
Central State Bank
Micro
Specialty: Commercial
IA
FDIC cert 1550
Designations: ✓ Community bank
Coralville, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Central State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 27.15% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.5M
-3.4% YoY
-2.2% QoQ
|
+$224.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$350.1M
-3.8% YoY
-0.5% QoQ
|
+$210.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$344.3M
-8.8% YoY
-2.8% QoQ
|
+$160.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.08%
+57.2% YoY
+11.2% QoQ
|
0 |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
2.84%
+24.9% YoY
+3.4% QoQ
|
-1.01% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
58.90%
-13.4% YoY
-3.4% QoQ
|
-8.83% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
101.67%
+5.5% YoY
+2.4% QoQ
|
+27.15% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.09%
+12.1% YoY
+6.6% QoQ
|
-5.30% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.92%
+8.2% YoY
-2.8% QoQ
|
+4.07% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.19%
+1.2% YoY
+77.5% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
101.67%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Total Loans
Current: $350.1M · Tier avg: $139.2M
93
93th pctile
Total Assets
Current: $441.5M · Tier avg: $217.5M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.67% · Tier avg: 74.53%
89
89th pctile
Total Deposits
Current: $344.3M · Tier avg: $183.7M
70
70th pctile
Efficiency Ratio
Current: 58.90% · Tier avg: 67.73%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.92% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.09% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.09% · Tier avg: 22.39%
52
52th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.92% · Tier avg: 8.85%
70
70th pctile
Efficiency Ratio
Current: 58.90% · Tier avg: 67.73%
89
89th pctile
Total Deposits
Current: $344.3M · Tier avg: $183.7M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.67% · Tier avg: 74.53%
93
93th pctile
Total Assets
Current: $441.5M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $350.1M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%