| Metric | Central State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.5% | +4.9% | +18.6 pts |
| Deposit growth (YoY) | +24.5% | +4.3% | +20.1 pts |
| Loan growth (YoY) | +12.1% | +5.3% | +6.8 pts |
| ROA | 2.01% | 1.28% | +0.7 pts |
| ROE | 22.1% | 12.4% | +9.6 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $890.7M | $810.3M | $550.9M | $74.6M | $8.1M | 2.01% | 4.28% | 0.16% |
| Q1 2026 | $778.3M | $698.9M | $557.8M | $73.6M | $3.7M | 1.93% | 4.31% | 0.30% |
| Q4 2025 | $743.4M | $666.5M | $539.2M | $71.4M | $14.8M | 2.08% | 4.49% | 0.19% |
| Q3 2025 | $744.2M | $670.0M | $508.9M | $67.7M | $11.0M | 2.08% | 4.44% | 0.15% |
| Q2 2025 | $721.3M | $651.0M | $491.4M | $64.8M | $7.1M | 2.07% | 4.39% | 0.23% |
| Q1 2025 | $686.7M | $618.5M | $460.3M | $62.5M | $3.4M | 2.01% | 4.31% | 0.16% |
| Q4 2024 | $666.0M | $601.6M | $433.6M | $59.1M | $10.1M | 1.60% | 4.21% | 0.09% |
| Q3 2024 | $684.0M | $619.9M | $417.5M | $58.6M | $7.6M | 1.61% | 4.09% | 0.06% |
Loan mix (Q2 2026): real estate $471.2M · commercial $69.2M · consumer $14.5M · securities $163.9M
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 61.2% | 17th |
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 State 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 State 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 State 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 State 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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