BlastPoint's Banking Scorecard
Community State Bank
Micro
Specialty: Mortgage
IN
FDIC cert 8067
Designations: ✓ Community bank
Brook, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Community State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.8M
+8.7% YoY
+1.9% QoQ
|
-$66.7M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$127.4M
+14.3% YoY
+5.0% QoQ
|
-$11.8M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$126.8M
+9.4% YoY
+0.6% QoQ
|
-$56.8M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.89%
+27.5% YoY
+4.9% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.30%
+16.1% YoY
+2.6% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
61.15%
-5.9% YoY
-1.9% QoQ
|
-6.57% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.49%
+34.5% YoY
+29.6% QoQ
|
-0.15% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
100.44%
+4.5% YoY
+4.3% QoQ
|
+25.92% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.74%
-8.9% YoY
-3.0% QoQ
|
-8.65% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.41%
+41.4% YoY
+33.6% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
-13.1% YoY
+23.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
100.44%
(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
64
64th pctile
Efficiency Ratio
Current: 61.15% · Tier avg: 67.73%
52
52th pctile
Total Loans
Current: $127.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
38
38th pctile
Total Assets
Current: $150.8M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $126.8M · Tier avg: $183.7M
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.74% · Tier avg: 22.39%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.44% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.44% · Tier avg: 74.53%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.74% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
38
38th pctile
Total Deposits
Current: $126.8M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $150.8M · Tier avg: $217.5M
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $127.4M · Tier avg: $139.2M
64
64th pctile
Efficiency Ratio
Current: 61.15% · Tier avg: 67.73%