| Metric | CB&S Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +7.5% | +5.1% | +2.4 pts |
| Loan growth (YoY) | +14.2% | +5.9% | +8.3 pts |
| ROA | 0.71% | 1.26% | -0.5 pts |
| ROE | 12.2% | 12.2% | +0.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.07B | $2.61B | $1.70B | $188.3M | $10.6M | 0.71% | 3.57% | 1.32% |
| Q1 2026 | $2.94B | $2.51B | $1.63B | $152.8M | $5.5M | 0.75% | 3.49% | 1.23% |
| Q4 2025 | $2.88B | $2.42B | $1.56B | $178.1M | $23.7M | 0.85% | 3.48% | 1.26% |
| Q3 2025 | $2.83B | $2.42B | $1.55B | $165.2M | $14.4M | 0.69% | 3.44% | 1.43% |
| Q2 2025 | $2.81B | $2.43B | $1.49B | $140.5M | $7.6M | 0.55% | 3.39% | 1.43% |
| Q1 2025 | $2.77B | $2.38B | $1.45B | $146.4M | $5.2M | 0.77% | 3.38% | 0.91% |
| Q4 2024 | $2.68B | $2.28B | $1.41B | $132.2M | $20.8M | 0.79% | 3.37% | 0.88% |
| Q3 2024 | $2.67B | $2.26B | $1.29B | $163.0M | $14.3M | 0.73% | 3.23% | 0.99% |
Loan mix (Q2 2026): real estate $1.32B · commercial $189.6M · consumer $40.7M · securities $880.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CB&S Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 59.0% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CB&S Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CB&S Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CB&S Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CB&S Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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