BlastPoint's Banking Scorecard
Community State Bank
Community
Specialty: Commercial
IA
FDIC cert 18272
Ankeny, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Community State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
- - Margin Compression: Bottom 59% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+12.8% YoY
+2.3% QoQ
|
+$324.8M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.3B
+10.4% YoY
+0.8% QoQ
|
+$292.0M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.3B
+6.8% YoY
+3.5% QoQ
|
+$177.3M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.21%
-8.6% YoY
-4.0% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.41%
+3.3% YoY
+1.0% QoQ
|
-0.25% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
61.34%
+2.0% YoY
+1.7% QoQ
|
-1.29% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.16%
+121.4% YoY
|
-0.47% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
94.46%
+3.4% YoY
-2.6% QoQ
|
+11.39% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
12.89%
+1.1% YoY
+1.5% QoQ
|
-8.16% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.12%
+48.8% YoY
|
-0.38% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
11.75%
-2.6% YoY
+0.6% QoQ
|
+1.51% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.40%
+5.7% YoY
+29.3% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#10 of 371 · Top 2% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#148 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Margin Compression
decline
#71 of 120 · Bottom 59% 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:
1.21%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 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
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
53
53th pctile
Efficiency Ratio
Current: 61.34% · Tier avg: 62.63%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.75% · Tier avg: 10.24%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.46% · Tier avg: 83.06%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.89% · Tier avg: 21.05%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.89% · Tier avg: 21.05%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.46% · Tier avg: 83.06%
36
36th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.75% · Tier avg: 10.24%
53
53th pctile
Efficiency Ratio
Current: 61.34% · Tier avg: 62.63%
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M