| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.9% | +6.0 pts |
| Deposit growth (YoY) | +11.1% | +4.3% | +6.8 pts |
| Loan growth (YoY) | +2.7% | +5.3% | -2.6 pts |
| ROA | 1.00% | 1.28% | -0.3 pts |
| ROE | 11.4% | 12.4% | -1.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $553.6M | $502.3M | $394.2M | $49.3M | $2.8M | 1.00% | 3.75% | 0.34% |
| Q1 2026 | $521.0M | $471.0M | $390.5M | $48.0M | $1.1M | 0.77% | 3.69% | 0.32% |
| Q4 2025 | $572.4M | $522.7M | $381.9M | $48.2M | $5.3M | 1.01% | 3.67% | 0.05% |
| Q3 2025 | $528.8M | $479.9M | $388.1M | $46.9M | $4.0M | 1.02% | 3.67% | 0.08% |
| Q2 2025 | $499.2M | $452.2M | $383.7M | $45.4M | $2.7M | 1.07% | 3.64% | 0.04% |
| Q1 2025 | $513.1M | $444.4M | $382.9M | $44.5M | $1.3M | 0.98% | 3.52% | 0.38% |
| Q4 2024 | $526.6M | $459.3M | $382.9M | $43.5M | $5.5M | 1.11% | 3.53% | 0.51% |
| Q3 2024 | $505.9M | $438.2M | $368.0M | $44.1M | $4.2M | 1.14% | 3.54% | 0.03% |
Loan mix (Q2 2026): real estate $314.1M · commercial $69.6M · consumer $4.4M · securities $65.8M
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.4% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 61.2% | 50th |
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 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 | Community 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 | Community 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 | Community State 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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