BlastPoint's Banking Scorecard
Community State Bank
Micro
Specialty: Agricultural
CO
FDIC cert 58732
Designations: ✓ Community bank
Lamar, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Community State Bank shows strong momentum with 2 strengths and 5.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.04% above tier
- + Efficiency Ratio 24.40% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.5M
+5.0% YoY
-1.4% QoQ
|
-$18.0M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$158.2M
+4.7% YoY
+3.2% QoQ
|
+$19.0M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$172.1M
+5.6% YoY
-2.3% QoQ
|
-$11.5M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
2.13%
-1.8% YoY
-2.8% QoQ
|
+1.04% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.54%
+3.0% YoY
+0.9% QoQ
|
+0.69% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
43.32%
-3.0% YoY
+3.3% QoQ
|
-24.40% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.92%
+23.4% YoY
-10.9% QoQ
|
+0.28% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
91.92%
-0.8% YoY
+5.6% QoQ
|
+17.39% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
20.28%
-11.3% YoY
-1.2% QoQ
|
-2.11% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.73%
+23.0% YoY
-6.8% QoQ
|
+0.28% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
15.11%
+3.4% YoY
+2.7% QoQ
|
+6.26% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.23%
+10.2% YoY
+34.4% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.32%
(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
96
96th pctile
Efficiency Ratio
Current: 43.32% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
81
81th pctile
Loan-to-Deposit Ratio
Current: 91.92% · Tier avg: 74.53%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 8.85%
63
63th pctile
Total Loans
Current: $158.2M · Tier avg: $139.2M
52
52th pctile
Total Deposits
Current: $172.1M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $199.5M · Tier avg: $217.5M
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 22.39%
31
31th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.64%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
Top Weaknesses
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
31
31th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.64%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 22.39%
51
51th pctile
Total Assets
Current: $199.5M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $172.1M · Tier avg: $183.7M
63
63th pctile
Total Loans
Current: $158.2M · Tier avg: $139.2M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.85%
81
81th pctile
Loan-to-Deposit Ratio
Current: 91.92% · Tier avg: 74.53%
93
93th pctile
Return on Assets
Current: 2.13% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.32% · Tier avg: 67.73%