| Metric | Central State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +4.4% | -11.9 pts |
| Deposit growth (YoY) | -6.4% | +4.0% | -10.4 pts |
| Loan growth (YoY) | -10.1% | +5.6% | -15.7 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 18.1% | 11.9% | +6.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.3M | $344.4M | $323.6M | $41.5M | $3.8M | 1.73% | 3.33% | 0.01% |
| Q1 2026 | $441.2M | $359.2M | $331.0M | $41.6M | $1.5M | 1.38% | 3.16% | 0.01% |
| Q4 2025 | $441.5M | $344.3M | $350.1M | $41.1M | $4.9M | 1.08% | 2.84% | 0.00% |
| Q3 2025 | $451.3M | $354.4M | $351.8M | $42.0M | $3.3M | 0.97% | 2.75% | 0.05% |
| Q2 2025 | $453.3M | $368.0M | $359.9M | $39.9M | $2.2M | 0.95% | 2.69% | 0.29% |
| Q1 2025 | $460.4M | $386.7M | $361.8M | $39.5M | $949K | 0.83% | 2.54% | 0.50% |
| Q4 2024 | $457.0M | $377.5M | $363.8M | $37.9M | $3.2M | 0.69% | 2.28% | 0.24% |
| Q3 2024 | $477.3M | $381.3M | $375.4M | $40.0M | $2.3M | 0.64% | 2.22% | 0.25% |
Loan mix (Q2 2026): real estate $271.3M · commercial $43.1M · consumer $1.8M · securities $52.2M
| Ratio | Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 62.9% | 18th |
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% |
The full ratio pack is part of CharterBench Pro.