| Metric | Central Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.9% | +7.5 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +27.8% | +5.3% | +22.4 pts |
| ROA | 2.04% | 1.28% | +0.8 pts |
| ROE | 23.6% | 12.4% | +11.2 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $516.8M | $447.4M | $343.5M | $45.1M | $5.1M | 2.04% | 4.88% | 0.11% |
| Q1 2026 | $488.2M | $431.1M | $325.8M | $43.0M | $2.8M | 2.26% | 4.79% | 0.00% |
| Q4 2025 | $487.1M | $428.1M | $328.4M | $40.9M | $8.5M | 1.82% | 4.83% | 0.04% |
| Q3 2025 | $486.1M | $442.7M | $278.3M | $40.1M | $5.5M | 1.57% | 4.76% | 0.04% |
| Q2 2025 | $459.7M | $418.7M | $268.8M | $36.7M | $3.5M | 1.52% | 4.72% | 0.05% |
| Q1 2025 | $456.3M | $417.6M | $243.5M | $34.9M | $2.0M | 1.78% | 4.45% | 0.05% |
| Q4 2024 | $456.8M | $422.3M | $253.5M | $31.6M | $7.0M | 1.56% | 4.29% | 0.29% |
| Q3 2024 | $471.4M | $435.0M | $251.3M | $32.4M | $4.7M | 1.40% | 4.17% | 0.10% |
Loan mix (Q2 2026): real estate $223.4M · commercial $47.4M · consumer $23.7M · securities $101.2M
| Ratio | Central Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 23.6% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.2% | 61.2% | 9th |
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 | Central 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 | Central 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 | Central 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 | Central 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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