| Metric | CFSBANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +4.9% | -11.4 pts |
| Deposit growth (YoY) | -10.5% | +4.3% | -14.8 pts |
| Loan growth (YoY) | +10.3% | +5.3% | +4.9 pts |
| ROA | 0.21% | 1.28% | -1.1 pts |
| ROE | 2.2% | 12.4% | -10.3 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $773.4M | $642.2M | $495.0M | $75.4M | $813K | 0.21% | 2.20% | 0.15% |
| Q1 2026 | $752.5M | $648.3M | $474.8M | $75.4M | $293K | 0.16% | 2.16% | 0.13% |
| Q4 2025 | $745.7M | $637.1M | $466.2M | $75.4M | $1.5M | 0.20% | 2.01% | 0.18% |
| Q3 2025 | $754.9M | $646.4M | $452.8M | $74.3M | $1.3M | 0.22% | 1.99% | 0.21% |
| Q2 2025 | $827.5M | $717.3M | $448.8M | $72.4M | $872K | 0.23% | 1.91% | 0.13% |
| Q1 2025 | $755.7M | $640.9M | $444.0M | $70.9M | $293K | 0.16% | 1.88% | 0.17% |
| Q4 2024 | $729.2M | $607.6M | $435.1M | $68.3M | $502K | 0.07% | 1.88% | 0.14% |
| Q3 2024 | $739.4M | $587.2M | $423.4M | $71.0M | $237K | 0.05% | 1.88% | 0.14% |
Loan mix (Q2 2026): real estate $457.7M · commercial $18.9M · consumer $20.1M · securities $210.3M
| Ratio | CFSBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 1.28% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 12.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 61.2% | 96th |
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 | CFSBANK | 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 | CFSBANK | 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 | CFSBANK | 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 | CFSBANK | 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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