0.27%
−14.3%y/y
Peer standing22nd percentile
FDIC
NETINC + ROACS
Community State Bank
Paton, IowaFDIC Cert #17551
STATEEstablished 19561 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
1.52%
−19.7%y/y
Peer standing20th percentile
FDIC
NETINC + ROE0.35%
−7.5%y/y
Peer standing22nd percentile
FDIC
PTAXNETINC + ASSET2.66%
+1.2%y/y
Peer standing11th percentile
FDIC
NIM + NIMY3.78%
−2.6%y/y
Peer standing10th percentile
FDIC
INTINCY1.69%
−10.4%y/y
Peer standing69th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
85.49%
+0.7%y/y
Peer standing27th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.04%
−3.0%y/y
Peer standing85th percentile
FDIC
NONIX + ASSET−3.53%
−555.3%y/y
Percentile by value1st percentileby value
FDIC
NONII + NIM+2.02%
+128.1%y/y
Percentile by value43rd percentileby value
FDIC
ASSET+0.96%
+109.7%y/y
Percentile by value41st percentileby value
FDIC
DEP−2.80%
+71.8%y/y
Percentile by value24th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.27%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE1.52%20th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY2.66%11th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR85.49%27th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+0.96%41st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−2.80%24th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ19.74%79th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.69%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC6%31st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.27%3rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.75%Median 1.31%90th 2.02%Observations 230
ROE
FDIC
NETINC + ROE1.52%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.47%Median 12.42%90th 19.31%Observations 230
NIM
FDIC
NIM + NIMY2.66%7th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.79%Median 3.56%90th 4.19%Observations 230
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR85.49%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.98%Median 57.23%90th 74.51%Observations 230
Deposits YoY
FDIC
DEP+0.96%32nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.59%Median +2.91%90th +9.45%Observations 229
Loans YoY
FDIC
LNLSNET−2.80%14th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.21%Median +4.38%90th +12.18%Observations 228
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.94%Observations 228
Leverage
FDIC
RBC1AAJ19.74%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.92%Median 10.85%90th 15.49%Observations 230
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.69%90th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.46%90th 3.29%Observations 229
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC6%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 88%90th 275%Observations 119
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.27%12th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.01%Median 1.08%90th 1.85%Observations 35
ROE
FDIC
NETINC + ROE1.52%12th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −1.40%Median 7.72%90th 15.95%Observations 35
NIM
FDIC
NIM + NIMY2.66%9th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.69%Median 3.66%90th 4.28%Observations 35
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR85.49%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.14%Median 65.90%90th 88.21%Observations 35
Deposits YoY
FDIC
DEP+0.96%58th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.80%Median +0.46%90th +7.06%Observations 34
Loans YoY
FDIC
LNLSNET−2.80%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.63%Median +1.60%90th +10.89%Observations 33
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.08%90th 3.36%Observations 33
Leverage
FDIC
RBC1AAJ19.74%91st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.13%Median 12.70%90th 18.28%Observations 35
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.69%82nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.50%Median 2.23%90th 2.89%Observations 34
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC6%27th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 1%Median 26%90th 69%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.