| Metric | Commercial State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +7.9% | +4.0% | +4.0 pts |
| Loan growth (YoY) | -6.5% | +5.6% | -12.1 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 15.9% | 11.9% | +4.0 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.6M | $114.3M | $40.0M | $11.8M | $964K | 1.57% | 4.57% | 2.46% |
| Q1 2026 | $121.3M | $108.5M | $42.4M | $12.4M | $463K | 1.53% | 4.75% | 2.73% |
| Q4 2025 | $120.4M | $107.8M | $42.9M | $12.1M | $1.9M | 1.59% | 5.25% | 2.73% |
| Q3 2025 | $126.3M | $113.4M | $43.2M | $12.2M | $1.8M | 2.05% | 5.26% | 3.18% |
| Q2 2025 | $117.4M | $105.9M | $42.8M | $10.9M | $1.1M | 2.02% | 5.37% | 4.27% |
| Q1 2025 | $116.3M | $105.0M | $43.5M | $10.8M | $519K | 1.86% | 5.46% | 2.12% |
| Q4 2024 | $106.7M | $96.1M | $41.9M | $10.1M | $2.0M | 1.82% | 5.48% | 0.56% |
| Q3 2024 | $111.4M | $99.9M | $42.1M | $10.9M | $1.7M | 2.08% | 5.45% | 0.95% |
Loan mix (Q2 2026): real estate $26.4M · commercial $7.0M · consumer $2.5M · securities $53.0M
| Ratio | Commercial State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 61th |
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 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 | Commercial 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 | Commercial 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 | Commercial 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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