| Metric | CBL State Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.1 pts |
| ROA | 0.10% | 1.24% | -1.1 pts |
| ROE | 0.6% | 11.9% | -11.2 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.3M | $125.9M | $116.6M | $29.1M | $91K | 0.10% | 2.14% | 0.01% |
| Q1 2026 | $188.4M | $122.8M | $116.9M | $29.2M | $74K | 0.16% | 2.12% | 0.03% |
| Q4 2025 | $188.0M | $122.5M | $115.7M | $29.1M | $-278K | -0.15% | 1.94% | 0.03% |
| Q3 2025 | $187.3M | $121.3M | $113.5M | $29.1M | $-128K | -0.09% | 1.91% | 0.03% |
| Q2 2025 | $184.8M | $119.1M | $111.7M | $28.9M | $-98K | -0.11% | 1.89% | 0.03% |
| Q1 2025 | $183.9M | $118.3M | $110.1M | $29.0M | $-46K | -0.10% | 1.83% | 0.03% |
| Q4 2024 | $188.4M | $117.9M | $109.8M | $28.9M | $-227K | -0.13% | 1.69% | 0.18% |
| Q3 2024 | $188.3M | $117.5M | $111.8M | $29.3M | $-96K | -0.07% | 1.73% | 0.20% |
Loan mix (Q2 2026): real estate $117.2M · commercial $0 · consumer $864K · securities $41.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CBL State Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 62.9% | 97th |
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 | CBL State Savings Bank | 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 | CBL State Savings Bank | 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 | CBL State Savings Bank | 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 | CBL State Savings Bank | 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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