BlastPoint's Banking Scorecard

Community Bank

Micro Specialty: Agricultural SD FDIC cert 1687

Designations: ✓ Community bank

Avon, SD

2498 banks in Micro tier nationally 34 in SD

View Micro leaderboard (SD) →

Community Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 (SD)	National Avg	Tier Percentile
Total Assets ?	$68.8M +2.9% YoY +2.1% QoQ	-$148.7M	$217.5M +2.3% YoY	$66.4B +7.5% YoY	$5.9B +6.5% YoY	Bottom 12% in tier
Total Loans ?	$41.6M +16.6% YoY +3.0% QoQ	-$97.6M	$139.2M +2.8% YoY	$30.0B +8.4% YoY	$3.1B +8.5% YoY	16%
Total Deposits ?	$58.0M +4.0% YoY +2.5% QoQ	-$125.6M	$183.7M +1.8% YoY	$53.6B +6.8% YoY	$4.7B +6.3% YoY	Bottom 13% in tier
Return on Assets ?	0.40% +61.1% YoY -25.6% QoQ	-0.68%	1.08% +14.7% YoY	1.30% +9.7% YoY	1.12% +15.6% YoY	15%
Net Interest Margin ?	3.54% +22.1% YoY +0.3% QoQ	-0.31%	3.85% +6.6% YoY	4.04% +12.2% YoY	3.75% +7.1% YoY	36%
Efficiency Ratio ?	80.20% -3.5% YoY +4.3% QoQ	+12.48%	67.73% -4.8% YoY	61.23% -7.1% YoY	65.09% -5.1% YoY	21%
Delinquency Rate ?	0.15% -47.7% YoY -80.5% QoQ	-0.49%	0.64% +24.4% YoY	0.56% +87.1% YoY	0.66% +20.3% YoY	67%
Loan-to-Deposit Ratio ?	71.70% +12.1% YoY +0.4% QoQ	-2.82%	74.53% +0.5% YoY	73.14% +0.4% YoY	78.04% +0.7% YoY	58%
Non-Interest-Bearing Deposit Share ?	22.75% -0.9% YoY +0.4% QoQ	+0.36%	22.39% -1.3% YoY	20.56% -1.2% YoY	21.79% -1.3% YoY	55%
Nonperforming Asset Ratio ?	0.09% -40.7% YoY -80.3% QoQ	-0.36%	0.45% +25.1% YoY	0.38% +94.7% YoY	0.48% +20.8% YoY	69%
Tier 1 Capital Ratio ?	0.00%	-8.85%	8.85% -3.4% YoY	11.53% -0.1% YoY	9.75% -1.9% YoY	51%
Non-Interest Income / Assets ?	0.24% -9.8% YoY +37.5% QoQ	-0.32%	0.56% +0.3% YoY	1.02% -4.1% YoY	0.65% +0.6% YoY	30%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Nonperforming Asset Ratio

Current: 0.09% · Tier avg: 0.45%

69th pctile

Delinquency Rate

Current: 0.15% · Tier avg: 0.64%

67th pctile

Loan-to-Deposit Ratio

Current: 71.70% · Tier avg: 74.53%

58th pctile

Non-Interest-Bearing Deposit Share

Current: 22.75% · Tier avg: 22.39%

55th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 8.85%

51th pctile

Net Interest Margin

Current: 3.54% · Tier avg: 3.85%

36th pctile

Non-Interest Income / Assets

Current: 0.24% · Tier avg: 0.56%

30th pctile

Efficiency Ratio

Current: 80.20% · Tier avg: 67.73%

21th pctile

Total Loans

Current: $41.6M · Tier avg: $139.2M

16th pctile

Return on Assets

Current: 0.40% · Tier avg: 1.08%

15th pctile

Total Deposits

Current: $58.0M · Tier avg: $183.7M

13th pctile

Total Assets

Current: $68.8M · Tier avg: $217.5M

12th pctile

Top Weaknesses