BlastPoint's Banking Scorecard
CS Bank
Community
Specialty: Commercial
AR
FDIC cert 5635
Eureka Springs, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
CS Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 18% in Community
- + Revenue Diversifier: Top 31% in Community
- + Net Interest Margin 1.19% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 19% in Community
- - Credit Risk Growth: Bottom 29% in Community
- - Loan-to-Deposit Ratio 21.09% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$614.2M
+0.7% YoY
+0.6% QoQ
|
-$777.3M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$494.5M
+5.3% YoY
+2.3% QoQ
|
-$480.9M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$474.8M
-1.6% YoY
+0.4% QoQ
|
-$689.8M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
2.25%
+15.0% YoY
-0.8% QoQ
|
+1.09% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.85%
+6.4% YoY
+0.7% QoQ
|
+1.19% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
53.03%
-5.6% YoY
+0.6% QoQ
|
-9.60% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.90%
+29.9% YoY
+52.5% QoQ
|
+0.27% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
104.15%
+7.0% YoY
+1.9% QoQ
|
+21.09% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.54%
-1.7% YoY
-10.8% QoQ
|
-8.51% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.77%
+40.7% YoY
+64.3% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.99%
+9.6% YoY
+29.4% QoQ
|
+0.25% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#69 of 371 · Top 18% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#116 of 371 · Top 31% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.99%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Net Interest Margin
metric
Top 7%
in Community
Why this stands out
Current:
4.85%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (3)
Capital Thin
risk
#83 of 432 · Bottom 19% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#190 of 642 · Bottom 29% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
104.15%
(Tier avg: 83.06%, 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
95
95th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.66%
85
85th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
77
77th pctile
Efficiency Ratio
Current: 53.03% · Tier avg: 62.63%
30
30th pctile
Total Loans
Current: $494.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.54% · Tier avg: 21.05%
16
16th pctile
Total Assets
Current: $614.2M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $474.8M · Tier avg: $1.2B
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.15% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.15% · Tier avg: 83.06%
9
9th pctile
Total Deposits
Current: $474.8M · Tier avg: $1.2B
16
16th pctile
Total Assets
Current: $614.2M · Tier avg: $1.4B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.54% · Tier avg: 21.05%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Loans
Current: $494.5M · Tier avg: $975.5M
77
77th pctile
Efficiency Ratio
Current: 53.03% · Tier avg: 62.63%
85
85th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
93
93th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.66%
95
95th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%