BlastPoint's Banking Scorecard
The Community State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 20279
Designations: ✓ Community bank
Poteau, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Community State 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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$379.8M
+9.0% YoY
+3.6% QoQ
|
+$162.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$274.3M
+8.3% YoY
+3.0% QoQ
|
+$135.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$351.5M
+8.4% YoY
+3.7% QoQ
|
+$167.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.94%
+15.2% YoY
+13.7% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
4.52%
+9.9% YoY
+1.3% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
74.73%
-6.5% YoY
-0.1% QoQ
|
+7.01% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.45%
-82.8% YoY
+106.4% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
78.04%
-0.0% YoY
-0.7% QoQ
|
+3.51% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
25.55%
+5.9% YoY
-3.7% QoQ
|
+3.16% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.33%
-83.5% YoY
+105.2% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
12.56%
-2.5% YoY
-1.5% QoQ
|
+3.71% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.84%
-9.4% YoY
+25.4% QoQ
|
+0.28% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
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%
Top Strengths
90
90th pctile
Total Deposits
Current: $351.5M · Tier avg: $183.7M
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
88
88th pctile
Total Loans
Current: $274.3M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $379.8M · Tier avg: $217.5M
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.55% · Tier avg: 22.39%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 8.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.04% · Tier avg: 74.53%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.73% · Tier avg: 67.73%
Top Weaknesses
29
29th pctile
Efficiency Ratio
Current: 74.73% · Tier avg: 67.73%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.04% · Tier avg: 74.53%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 8.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.55% · Tier avg: 22.39%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
85
85th pctile
Total Assets
Current: $379.8M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $274.3M · Tier avg: $139.2M
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
90
90th pctile
Total Deposits
Current: $351.5M · Tier avg: $183.7M