No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.2M | $122.7M | $74.3M | $11.6M | $851K | 1.24% | 4.03% | 0.40% |
| Q1 2026 | $139.1M | $127.0M | $71.9M | $11.2M | $434K | 1.26% | 3.97% | 0.41% |
| Q4 2025 | $136.6M | $124.8M | $71.2M | $11.1M | $1.6M | 1.20% | 3.87% | 0.44% |
| Q3 2025 | $134.6M | $122.6M | $72.4M | $11.0M | $1.4M | 1.41% | 3.81% | 0.45% |
| Q2 2025 | $133.8M | $121.3M | $72.2M | $11.5M | $1.0M | 1.50% | 3.78% | 0.76% |
| Q1 2025 | $137.4M | $125.9M | $67.8M | $10.5M | $395K | 1.16% | 3.67% | 0.62% |
| Q4 2024 | $135.4M | $124.5M | $68.1M | $10.1M | $1.4M | 1.01% | 3.56% | 0.56% |
| Q3 2024 | $137.0M | $125.8M | $68.9M | $10.3M | $1.1M | 1.06% | 3.52% | 0.46% |
Loan mix (Q2 2026): real estate $63.8M · commercial $4.1M · consumer $5.9M · securities $47.6M
| Ratio | Chillicothe State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 50th |
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 | Chillicothe 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 | Chillicothe 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 | Chillicothe 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 | Chillicothe 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.