| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.6% | +4.4% | +14.2 pts |
| Deposit growth (YoY) | +20.3% | +4.0% | +16.4 pts |
| Loan growth (YoY) | +15.3% | +5.6% | +9.7 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 13.1% | 11.9% | +1.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $441.9M | $399.1M | $297.7M | $41.2M | $2.7M | 1.30% | 3.84% | 0.94% |
| Q1 2026 | $403.9M | $361.1M | $293.8M | $40.5M | $1.4M | 1.37% | 3.91% | 0.89% |
| Q4 2025 | $388.0M | $346.2M | $277.4M | $40.2M | $5.2M | 1.40% | 3.73% | 0.86% |
| Q3 2025 | $378.8M | $337.2M | $257.0M | $39.9M | $4.3M | 1.55% | 3.81% | 0.88% |
| Q2 2025 | $372.7M | $331.7M | $258.3M | $38.9M | $2.8M | 1.53% | 3.77% | 0.93% |
| Q1 2025 | $368.0M | $327.4M | $260.1M | $38.1M | $1.3M | 1.41% | 3.67% | 0.95% |
| Q4 2024 | $367.8M | $327.9M | $255.4M | $37.8M | $4.9M | 1.36% | 3.54% | 0.09% |
| Q3 2024 | $367.7M | $328.8M | $250.8M | $37.3M | $2.8M | 1.04% | 3.52% | 1.13% |
Loan mix (Q2 2026): real estate $252.3M · commercial $35.6M · consumer $2.9M · securities $93.2M
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 62.9% | 45th |
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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