BlastPoint's Banking Scorecard
Community State Bank
Micro
Specialty: Other
MO
FDIC cert 22567
Designations: ✓ Community bank
Shelbina, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community State Bank shows strong momentum with 1 strength and 11.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.12% below tier
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.3M
+11.4% YoY
+5.3% QoQ
|
-$89.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$87.4M
+14.9% YoY
+4.4% QoQ
|
-$51.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$105.0M
+11.4% YoY
+6.3% QoQ
|
-$78.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.55%
+19.3% YoY
-6.1% QoQ
|
+0.46% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.72%
+10.3% YoY
+0.4% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
42.61%
-9.9% YoY
+12.9% QoQ
|
-25.12% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.77%
+394.8% YoY
+192.2% QoQ
|
+0.13% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
83.28%
+3.2% YoY
-1.8% QoQ
|
+8.76% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
24.88%
-5.2% YoY
-0.8% QoQ
|
+2.49% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.60%
+281.0% YoY
+140.7% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.21%
-19.1% YoY
+22.3% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.61%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Efficiency Ratio
Current: 42.61% · Tier avg: 67.73%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.88% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
38
38th pctile
Total Loans
Current: $87.4M · Tier avg: $139.2M
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.28% · Tier avg: 74.53%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
31
31th pctile
Total Assets
Current: $128.3M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $105.0M · Tier avg: $183.7M
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
Top Weaknesses
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
30
30th pctile
Total Deposits
Current: $105.0M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $128.3M · Tier avg: $217.5M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.28% · Tier avg: 74.53%
38
38th pctile
Total Loans
Current: $87.4M · Tier avg: $139.2M
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.88% · Tier avg: 22.39%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.61% · Tier avg: 67.73%