| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.4% | +7.5 pts |
| Deposit growth (YoY) | +14.6% | +4.0% | +10.6 pts |
| Loan growth (YoY) | +17.4% | +5.6% | +11.8 pts |
| ROA | 2.04% | 1.24% | +0.8 pts |
| ROE | 24.8% | 11.9% | +13.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $348.8M | $292.7M | $284.9M | $28.0M | $3.5M | 2.04% | 3.57% | 0.82% |
| Q1 2026 | $333.5M | $277.8M | $273.3M | $27.8M | $1.6M | 1.96% | 3.44% | 0.29% |
| Q4 2025 | $335.6M | $278.4M | $262.7M | $28.0M | $5.1M | 1.59% | 3.19% | 0.21% |
| Q3 2025 | $316.0M | $259.9M | $251.7M | $26.7M | $4.0M | 1.68% | 3.13% | 0.25% |
| Q2 2025 | $311.8M | $255.5M | $242.7M | $25.4M | $2.6M | 1.66% | 3.06% | 0.20% |
| Q1 2025 | $321.2M | $271.4M | $238.8M | $24.1M | $1.1M | 1.37% | 2.87% | 0.16% |
| Q4 2024 | $318.8M | $269.1M | $235.9M | $22.5M | $2.7M | 0.89% | 2.49% | 0.41% |
| Q3 2024 | $309.3M | $258.2M | $230.4M | $20.5M | $2.0M | 0.91% | 2.42% | 0.27% |
Loan mix (Q2 2026): real estate $235.2M · commercial $26.3M · consumer $6.2M · securities $26.4M
| Ratio | Commercial Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.04% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 24.8% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.6% | 62.9% | 4th |
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 | Commercial Savings 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 | Commercial Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Commercial Savings 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 | Commercial Savings 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 | Commercial Savings 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.
Technology spend up 54% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
2 branches in 1 county across 1 state (+0 vs 2025) · $292.7M branch deposits. Biggest market: Carroll, IA, ranked 2nd with 18.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Carroll, IA | 2 | $292.7M | 18.77% | 2nd |
Iowa: 113th with 0.18% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2