| Metric | Community Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.3 pts |
| ROA | -0.22% | 1.24% | -1.5 pts |
| ROE | -1.9% | 11.9% | -13.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $410.2M | $357.0M | $234.2M | $47.3M | $-444K | -0.22% | 2.39% | 0.11% |
| Q1 2026 | $408.2M | $359.9M | $230.0M | $47.5M | $-332K | -0.32% | 2.30% | 0.12% |
| Q4 2025 | $409.5M | $360.6M | $226.0M | $48.0M | $-2.0M | -0.48% | 2.01% | 0.12% |
| Q3 2025 | $412.2M | $363.7M | $224.5M | $47.8M | $-1.5M | -0.48% | 1.94% | 0.06% |
| Q2 2025 | $409.7M | $362.1M | $224.7M | $46.9M | $-1.1M | -0.53% | 1.88% | 0.16% |
| Q1 2025 | $408.2M | $361.1M | $226.0M | $46.6M | $-633K | -0.62% | 1.80% | 0.10% |
| Q4 2024 | $412.6M | $366.6M | $226.2M | $45.2M | $-3.0M | -0.71% | 1.51% | 0.08% |
| Q3 2024 | $419.6M | $360.7M | $224.0M | $48.2M | $-2.2M | -0.70% | 1.50% | 0.20% |
Loan mix (Q2 2026): real estate $237.2M · commercial $0 · consumer $16K · securities $140.4M
| Ratio | Community Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.5% | 62.9% | 99th |
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% |
The full ratio pack is part of CharterBench Pro.