BlastPoint's Banking Scorecard
Community State Bank
Community
Specialty: Commercial
WI
FDIC cert 9536
Union Grove, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Community State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 45% in Community
- - Loan-to-Deposit Ratio 27.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$639.3M
+4.5% YoY
+4.1% QoQ
|
-$752.1M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$329.3M
+2.7% YoY
+0.4% QoQ
|
-$646.2M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$593.8M
+2.6% YoY
+4.2% QoQ
|
-$570.8M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.17%
+11.3% YoY
+1.7% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.77%
+3.3% YoY
+0.1% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
70.35%
-4.0% YoY
-0.8% QoQ
|
+7.72% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.18%
-62.0% YoY
-38.0% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
55.46%
+0.1% YoY
-3.6% QoQ
|
-27.60% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.50%
+2.2% YoY
+3.7% QoQ
|
+11.46% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-62.7% YoY
-40.2% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.42%
-12.1% YoY
+29.1% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#195 of 432 · Bottom 45% 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 declining
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
55.46%
(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
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.50% · Tier avg: 21.05%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Deposits
Current: $593.8M · Tier avg: $1.2B
26
26th pctile
Efficiency Ratio
Current: 70.35% · Tier avg: 62.63%
20
20th pctile
Total Assets
Current: $639.3M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $329.3M · Tier avg: $975.5M
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.46% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.46% · Tier avg: 83.06%
7
7th pctile
Total Loans
Current: $329.3M · Tier avg: $975.5M
20
20th pctile
Total Assets
Current: $639.3M · Tier avg: $1.4B
26
26th pctile
Efficiency Ratio
Current: 70.35% · Tier avg: 62.63%
27
27th pctile
Total Deposits
Current: $593.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.50% · Tier avg: 21.05%