| Metric | Central State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +4.4% | -6.8 pts |
| Deposit growth (YoY) | -4.2% | +4.0% | -8.1 pts |
| Loan growth (YoY) | -13.9% | +5.6% | -19.5 pts |
| ROA | 2.94% | 1.24% | +1.7 pts |
| ROE | 17.0% | 11.9% | +5.1 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.1M | $143.2M | $113.0M | $31.3M | $2.6M | 2.94% | 4.83% | 2.15% |
| Q1 2026 | $178.1M | $146.5M | $114.8M | $31.1M | $1.5M | 3.41% | 5.37% | 2.56% |
| Q4 2025 | $177.2M | $147.0M | $118.7M | $29.7M | $2.5M | 1.42% | 4.07% | 3.21% |
| Q3 2025 | $176.1M | $146.2M | $124.6M | $29.1M | $1.6M | 1.22% | 4.06% | 3.47% |
| Q2 2025 | $179.5M | $149.4M | $131.3M | $29.5M | $1.9M | 2.08% | 3.98% | 3.97% |
| Q1 2025 | $181.1M | $151.3M | $130.8M | $29.2M | $895K | 2.01% | 3.82% | 3.61% |
| Q4 2024 | $175.3M | $146.4M | $133.6M | $28.2M | $3.3M | 1.96% | 4.23% | 3.30% |
| Q3 2024 | $172.3M | $143.4M | $135.5M | $28.2M | $2.7M | 2.13% | 4.18% | 2.82% |
Loan mix (Q2 2026): real estate $80.6M · commercial $15.1M · consumer $13.0M · securities $17.8M
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 62.9% | 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 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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