BlastPoint's Banking Scorecard
Community State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 17551
Designations: ✓ Community bank
Paton, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Community State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 33.63% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 26.34% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.20% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.8M
+3.2% YoY
+2.5% QoQ
|
-$174.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$14.4M
-9.9% YoY
+3.1% QoQ
|
-$124.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$35.1M
+1.6% YoY
+2.9% QoQ
|
-$148.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.35%
-23.1% YoY
-10.3% QoQ
|
-0.73% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.66%
-0.7% YoY
+0.4% QoQ
|
-1.20% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
77.48%
+1.8% YoY
+5.9% QoQ
|
+9.75% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
40.90%
-11.3% YoY
+0.3% QoQ
|
-33.63% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.13%
-0.2% YoY
+7.6% QoQ
|
+4.73% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? |
35.19%
+4.9% YoY
-7.9% QoQ
|
+26.34% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.14%
+4.0% YoY
+22.5% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (4)
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 6%
in Micro
Why this stands out
Current:
40.90%
(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%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
35.19%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.66%
(Tier avg: 3.85%, National avg: 3.75%)
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
Tier 1 Capital Ratio
Current: 35.19% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.90% · Tier avg: 74.53%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.13% · Tier avg: 22.39%
24
24th pctile
Efficiency Ratio
Current: 77.48% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
6
6th pctile
Total Deposits
Current: $35.1M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $42.8M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $14.4M · Tier avg: $139.2M
Top Weaknesses
5
5th pctile
Total Loans
Current: $14.4M · Tier avg: $139.2M
5
5th pctile
Total Assets
Current: $42.8M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $35.1M · Tier avg: $183.7M
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.48% · Tier avg: 67.73%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.13% · Tier avg: 22.39%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.90% · Tier avg: 74.53%
98
98th pctile
Tier 1 Capital Ratio
Current: 35.19% · Tier avg: 8.85%
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%