| Metric | City State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.4 pts |
| ROA | 1.84% | 1.28% | +0.6 pts |
| ROE | 19.6% | 12.4% | +7.1 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $787.9M | $693.2M | $592.6M | $74.8M | $7.2M | 1.84% | 3.24% | 0.21% |
| Q1 2026 | $791.6M | $697.2M | $575.8M | $74.9M | $3.8M | 1.95% | 3.12% | 0.27% |
| Q4 2025 | $774.9M | $684.1M | $575.1M | $71.5M | $11.4M | 1.51% | 3.06% | 0.25% |
| Q3 2025 | $733.1M | $641.6M | $583.2M | $70.7M | $8.4M | 1.49% | 3.03% | 0.30% |
| Q2 2025 | $750.6M | $661.4M | $564.6M | $68.8M | $5.6M | 1.47% | 2.91% | 0.18% |
| Q1 2025 | $774.0M | $689.9M | $551.0M | $66.1M | $2.6M | 1.37% | 2.76% | 0.10% |
| Q4 2024 | $765.2M | $682.4M | $562.7M | $64.5M | $8.6M | 1.16% | 2.67% | 0.10% |
| Q3 2024 | $734.5M | $651.2M | $556.6M | $63.6M | $6.1M | 1.11% | 2.59% | 0.03% |
Loan mix (Q2 2026): real estate $497.7M · commercial $70.5M · consumer $3.6M · securities $86.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | City State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.28% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 61.2% | 38th |
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 | City 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 | City 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 | City 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 | City 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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