Community State Bank
Paton, IA · Cert 17551 · Peer group: banks under $1B in assets in IA (n=134-135)
State charter, non-member · FDIC · 1 branch
Q2 2026
$41.4MAssets
$13.3MLoans
$33.6MDeposits
$7.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: return on equity trails 96% of banks under $1B in assets in IA (rank 129 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.58%
Rank 125 of 135
Net Interest Margin
2.62%
Rank 123 of 135
Efficiency Ratio
78.72%
Rank 125 of 135
Equity / Assets
18.78%
Rank 8 of 135
Non-interest income vs. expense
Unfavorable gap of $836K · efficiency ratio beats 8% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.92% | 1.19% | 1.47% | Beats 7% | 125 / 135 | | |
| Return on Equity | 3.09% | 7.99% | 10.26% | 13.14% | Beats 4% | 129 / 135 | | |
| Net Interest Margin | 2.62% | 2.95% | 3.41% | 3.73% | Beats 9% | 123 / 135 | | |
| Efficiency Ratio | 78.72% | 50.61% | 57.35% | 63.29% | Beats 8% | 125 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 39.93% | 11.23% | 13.31% | 15.45% | Beats 97% | 4 / 135 | | |
| Total Risk-Based Capital Ratio | 40.18% | 11.61% | 14.06% | 16.47% | Beats 96% | 5 / 135 | | |
| Equity / Assets | 18.78% | 9.87% | 11.05% | 13.07% | Beats 94% | 8 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.56% | 68.54% | 81.55% | 91.24% | 3rd pctl | 130 / 134 | | |
| Loans / Assets | 32.07% | 57.61% | 68.06% | 76.23% | 4th pctl | 130 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |