BlastPoint's Banking Scorecard
COMMUNITY STATE BANK
Micro
Specialty: Commercial
AR
FDIC cert 5619
Designations: ✓ Community bank
Bradley, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
COMMUNITY STATE BANK shows strong momentum with 3 strengths and 33.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 25.52% above tier
- + Nonperforming Asset Ratio 0.45% 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.1M
+33.0% YoY
+3.0% QoQ
|
-$136.4M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$71.9M
+42.7% YoY
+8.3% QoQ
|
-$67.3M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$71.9M
+37.8% YoY
+3.2% QoQ
|
-$111.8M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.70%
+101.3% YoY
+23.3% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
4.70%
+0.7% YoY
+0.9% QoQ
|
+0.85% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
72.63%
-13.9% YoY
-3.9% QoQ
|
+4.91% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
100.04%
+3.5% YoY
+4.9% QoQ
|
+25.52% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.02%
-33.5% YoY
-6.2% QoQ
|
-7.37% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-10.0% YoY
+34.3% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
100.04%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.04% · Tier avg: 74.53%
85
85th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
34
34th pctile
Efficiency Ratio
Current: 72.63% · Tier avg: 67.73%
30
30th pctile
Total Loans
Current: $71.9M · Tier avg: $139.2M
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.02% · Tier avg: 22.39%
18
18th pctile
Total Deposits
Current: $71.9M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $81.1M · Tier avg: $217.5M
Top Weaknesses
16
16th pctile
Total Assets
Current: $81.1M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.9M · Tier avg: $183.7M
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.02% · Tier avg: 22.39%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
30
30th pctile
Total Loans
Current: $71.9M · Tier avg: $139.2M
34
34th pctile
Efficiency Ratio
Current: 72.63% · Tier avg: 67.73%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
85
85th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.04% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%