BlastPoint's Banking Scorecard
Community State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 27201
Designations: ✓ Community bank
Hennessey, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Community State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.43% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.23% above tier
- - Loan-to-Deposit Ratio 36.25% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.5M
-1.7% YoY
-2.2% QoQ
|
-$138.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$27.9M
-0.0% YoY
-3.8% QoQ
|
-$111.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$72.8M
+1.4% YoY
-2.3% QoQ
|
-$110.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.80%
-34.1% YoY
-2.4% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.54%
-5.0% YoY
+0.8% QoQ
|
-0.31% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
81.38%
+12.1% YoY
+0.8% QoQ
|
+13.66% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
2.87%
+98.1% YoY
+83.5% QoQ
|
+2.23% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
38.27%
-1.4% YoY
-1.5% QoQ
|
-36.25% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.25%
+0.4% YoY
+2.4% QoQ
|
+11.85% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
1.01%
+101.4% YoY
+80.6% QoQ
|
+0.55% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
20.38%
+0.9% YoY
+4.2% QoQ
|
+11.53% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.99%
-8.7% YoY
+35.8% QoQ
|
+0.43% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.99%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.87%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
38.27%
(Tier avg: 74.53%, National avg: 78.04%)
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
92
92th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.56%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.25% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.38% · Tier avg: 8.85%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
19
19th pctile
Efficiency Ratio
Current: 81.38% · Tier avg: 67.73%
19
19th pctile
Total Deposits
Current: $72.8M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $79.5M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $27.9M · Tier avg: $139.2M
7
7th pctile
Delinquency Rate
Current: 2.87% · Tier avg: 0.64%
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.27% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.27% · Tier avg: 74.53%
7
7th pctile
Delinquency Rate
Current: 2.87% · Tier avg: 0.64%
10
10th pctile
Total Loans
Current: $27.9M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $79.5M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $72.8M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 81.38% · Tier avg: 67.73%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.38% · Tier avg: 8.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.25% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.56%