| Metric | Community Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +12.9% | +4.0% | +8.9 pts |
| Loan growth (YoY) | -3.5% | +5.6% | -9.1 pts |
| ROA | 0.45% | 1.24% | -0.8 pts |
| ROE | 3.2% | 11.9% | -8.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.6M | $95.0M | $91.9M | $16.0M | $256K | 0.45% | 3.46% | 0.08% |
| Q1 2026 | $111.1M | $83.5M | $91.6M | $15.9M | $87K | 0.31% | 3.50% | 0.09% |
| Q4 2025 | $110.2M | $82.7M | $92.6M | $15.8M | $439K | 0.42% | 3.56% | 0.09% |
| Q3 2025 | $111.7M | $84.3M | $94.8M | $15.7M | $325K | 0.42% | 3.52% | 0.09% |
| Q2 2025 | $112.1M | $84.2M | $95.2M | $15.5M | $219K | 0.44% | 3.44% | 0.15% |
| Q1 2025 | $92.0M | $72.4M | $77.4M | $15.4M | $57K | 0.25% | 3.33% | 0.19% |
| Q4 2024 | $92.8M | $72.9M | $76.6M | $15.3M | $-369K | -0.40% | 3.22% | 0.44% |
| Q3 2024 | $93.3M | $73.6M | $77.1M | $15.3M | $-370K | -0.54% | 3.25% | 0.21% |
Loan mix (Q2 2026): real estate $69.7M · commercial $7.2M · consumer $15.4M · securities $5.4M
| Ratio | Community Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 1.24% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 62.9% | 90th |
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 | Community 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 | Community 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 | Community 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 | Community Savings 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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