| Metric | Commercial State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.0% | -4.6 pts |
| Deposit growth (YoY) | -1.3% | +2.5% | -3.8 pts |
| Loan growth (YoY) | -3.8% | +2.6% | -6.3 pts |
| ROA | 1.58% | 0.99% | +0.6 pts |
| ROE | 6.0% | 8.1% | -2.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $75.5M | $49.9M | $19.4M | $19.9M | $587K | 1.58% | 2.87% | 0.00% |
| Q1 2026 | $72.8M | $51.2M | $18.8M | $19.1M | $272K | 1.47% | 2.85% | 0.00% |
| Q4 2025 | $75.3M | $50.3M | $21.9M | $19.3M | $504K | 0.66% | 2.45% | 0.00% |
| Q3 2025 | $79.2M | $50.5M | $22.6M | $19.4M | $688K | 1.20% | 2.38% | 0.00% |
| Q2 2025 | $76.7M | $50.6M | $20.2M | $18.5M | $452K | 1.20% | 2.36% | 0.00% |
| Q1 2025 | $73.4M | $50.8M | $18.5M | $18.2M | $196K | 1.05% | 2.23% | 0.00% |
| Q4 2024 | $76.0M | $50.4M | $19.5M | $17.5M | $203K | 0.28% | 1.88% | 0.00% |
| Q3 2024 | $75.5M | $48.8M | $17.7M | $18.8M | $414K | 0.76% | 1.84% | 0.00% |
Loan mix (Q2 2026): real estate $9.5M · commercial $1.2M · consumer $431K · securities $51.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.99% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 8.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.4% | 70.8% | 1th |
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% |
The full ratio pack is part of CharterBench Pro.