Community Savings Bank
Total assets
$613.6M
▲ +1.3% YoY
Deposits
$501.4M
▲ +6.6% YoY
Loans
$419.9M
▼ -4.1% YoY
Offices
12
COMMUNITY FINANCIAL CORP
ROA (annualized)
1.02%
peers 1.28%
ROE (annualized)
11.61%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Community Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.2 pts |
| Loan growth (YoY) | -4.1% | +5.3% | -9.5 pts |
| ROA | 1.02% | 1.28% | -0.3 pts |
| ROE | 11.6% | 12.4% | -0.8 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COMMUNITY FINANCIAL CORP
- Specialization
- Agricultural Specialization
- Address
- 101 E Union St, Edgewood, IA, 52042
- County
- Delaware
- Offices
- 12
- FDIC cert #
- 14633
- RSSD ID
- 646743
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $613.6M | $501.4M | $419.9M | $55.1M | $3.1M | 1.02% | 3.55% | 0.72% |
| Q1 2026 | $616.1M | $496.4M | $420.5M | $53.1M | $1.6M | 1.01% | 3.62% | 0.72% |
| Q4 2025 | $618.4M | $493.9M | $428.6M | $53.4M | $5.7M | 0.94% | 3.24% | 1.04% |
| Q3 2025 | $599.8M | $458.9M | $433.9M | $52.5M | $4.2M | 0.93% | 3.22% | 0.72% |
| Q2 2025 | $605.9M | $470.5M | $438.0M | $48.5M | $2.7M | 0.90% | 3.16% | 0.67% |
| Q1 2025 | $607.5M | $474.6M | $445.3M | $47.4M | $1.2M | 0.82% | 3.11% | 0.70% |
| Q4 2024 | $609.8M | $467.6M | $444.0M | $45.6M | $4.3M | 0.73% | 2.92% | 0.25% |
| Q3 2024 | $586.2M | $456.3M | $418.2M | $49.4M | $2.9M | 0.66% | 2.90% | 0.21% |
Loan mix (Q2 2026): real estate $335.6M · commercial $44.6M · consumer $8.7M · securities $145.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Community Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 61.2% | 66th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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