BlastPoint's Banking Scorecard
CUSB Bank
Community
Specialty: Agricultural
IA
FDIC cert 18443
Cresco, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
CUSB 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
- - Capital Thin: Bottom 45% in Community
- - Non-Interest-Bearing Deposit Share 12.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$811.1M
+4.5% YoY
+1.5% QoQ
|
-$580.4M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$626.3M
+5.2% YoY
+3.4% QoQ
|
-$349.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$712.4M
+6.3% YoY
+1.4% QoQ
|
-$452.2M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.25%
+35.3% YoY
-4.1% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.36%
+12.7% YoY
+1.4% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
56.07%
-10.3% YoY
+1.9% QoQ
|
-6.56% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.83%
+400.8% YoY
+53.2% QoQ
|
+0.21% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
87.92%
-1.0% YoY
+2.0% QoQ
|
+4.85% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
8.18%
-2.6% YoY
+8.4% QoQ
|
-12.86% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+403.6% YoY
+56.0% QoQ
|
+0.15% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.45%
+0.2% YoY
+34.7% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#197 of 432 · Bottom 45% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.18%
(Tier avg: 21.05%, National avg: 21.79%)
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
70
70th pctile
Efficiency Ratio
Current: 56.07% · Tier avg: 62.63%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
44
44th pctile
Total Loans
Current: $626.3M · Tier avg: $975.5M
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
41
41th pctile
Loan-to-Deposit Ratio
Current: 87.92% · Tier avg: 83.06%
40
40th pctile
Total Deposits
Current: $712.4M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $811.1M · Tier avg: $1.4B
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.18% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.18% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
36
36th pctile
Total Assets
Current: $811.1M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $712.4M · Tier avg: $1.2B
41
41th pctile
Loan-to-Deposit Ratio
Current: 87.92% · Tier avg: 83.06%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
44
44th pctile
Total Loans
Current: $626.3M · Tier avg: $975.5M
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 56.07% · Tier avg: 62.63%