| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.0% | +1.5 pts |
| Deposit growth (YoY) | +4.8% | +2.5% | +2.3 pts |
| Loan growth (YoY) | -3.6% | +2.6% | -6.2 pts |
| ROA | 0.79% | 0.99% | -0.2 pts |
| ROE | 10.0% | 8.1% | +2.0 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.7M | $82.8M | $27.1M | $6.8M | $337K | 0.79% | 3.55% | 0.88% |
| Q1 2026 | $87.4M | $80.7M | $28.3M | $6.7M | $151K | 0.72% | 3.54% | 0.91% |
| Q4 2025 | $79.5M | $72.8M | $27.9M | $6.7M | $654K | 0.80% | 3.54% | 1.01% |
| Q3 2025 | $81.3M | $74.5M | $29.0M | $6.7M | $507K | 0.81% | 3.51% | 0.56% |
| Q2 2025 | $85.8M | $79.1M | $28.1M | $6.7M | $359K | 0.86% | 3.47% | 0.47% |
| Q1 2025 | $83.8M | $77.2M | $26.7M | $6.6M | $162K | 0.79% | 3.42% | 0.47% |
| Q4 2024 | $80.8M | $71.7M | $27.9M | $6.6M | $1.0M | 1.21% | 3.73% | 0.50% |
| Q3 2024 | $83.8M | $74.0M | $27.4M | $6.7M | $896K | 1.38% | 3.84% | 0.55% |
Loan mix (Q2 2026): real estate $13.2M · commercial $7.8M · consumer $1.8M · securities $44.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.99% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 8.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 70.8% | 73th |
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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