BlastPoint's Banking Scorecard
Commercial Savings Bank
Micro
Specialty: Commercial
IA
FDIC cert 231
Designations: ✓ Community bank
Carroll, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Commercial Savings Bank shows strong momentum with 1 strength and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.81% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$335.6M
+5.3% YoY
+6.2% QoQ
|
+$118.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$262.7M
+11.3% YoY
+4.4% QoQ
|
+$123.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$278.4M
+3.5% YoY
+7.1% QoQ
|
+$94.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.59%
+77.6% YoY
-5.5% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.19%
+28.1% YoY
+1.9% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
48.92%
-21.1% YoY
+9.5% QoQ
|
-18.81% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.26%
-52.6% YoY
-16.7% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
94.37%
+7.6% YoY
-2.6% QoQ
|
+19.85% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
18.10%
+9.1% YoY
+5.3% QoQ
|
-4.29% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.21%
-49.9% YoY
-18.2% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.30%
+6.7% YoY
+0.9% QoQ
|
+3.44% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.36%
+90.5% YoY
+24.1% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.92%
(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
91
91th pctile
Efficiency Ratio
Current: 48.92% · Tier avg: 67.73%
87
87th pctile
Total Loans
Current: $262.7M · Tier avg: $139.2M
84
84th pctile
Loan-to-Deposit Ratio
Current: 94.37% · Tier avg: 74.53%
78
78th pctile
Total Assets
Current: $335.6M · Tier avg: $217.5M
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
77
77th pctile
Total Deposits
Current: $278.4M · Tier avg: $183.7M
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.10% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.10% · Tier avg: 22.39%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
77
77th pctile
Total Deposits
Current: $278.4M · Tier avg: $183.7M
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
78
78th pctile
Total Assets
Current: $335.6M · Tier avg: $217.5M
84
84th pctile
Loan-to-Deposit Ratio
Current: 94.37% · Tier avg: 74.53%
87
87th pctile
Total Loans
Current: $262.7M · Tier avg: $139.2M
91
91th pctile
Efficiency Ratio
Current: 48.92% · Tier avg: 67.73%