No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $264.4M | $237.3M | $216.4M | $25.0M | $2.3M | 1.83% | 3.96% | 0.10% |
| Q1 2026 | $254.0M | $227.3M | $211.6M | $24.6M | $1.1M | 1.73% | 3.94% | 0.16% |
| Q4 2025 | $245.8M | $219.1M | $208.7M | $24.0M | $4.1M | 1.69% | 3.78% | 0.13% |
| Q3 2025 | $248.6M | $223.2M | $204.5M | $23.0M | $3.0M | 1.67% | 3.70% | 0.14% |
| Q2 2025 | $241.0M | $216.8M | $202.0M | $22.2M | $2.0M | 1.65% | 3.63% | 0.17% |
| Q1 2025 | $235.5M | $211.7M | $199.4M | $21.9M | $908K | 1.55% | 3.51% | 0.17% |
| Q4 2024 | $232.2M | $209.1M | $193.0M | $21.2M | $3.2M | 1.38% | 3.24% | 0.18% |
| Q3 2024 | $239.7M | $217.0M | $194.7M | $20.4M | $2.3M | 1.32% | 3.16% | 0.17% |
Loan mix (Q2 2026): real estate $134.2M · commercial $42.0M · consumer $8.3M · securities $23.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Commercial State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 18th |
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.