| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.2 pts |
| ROA | 1.96% | 1.24% | +0.7 pts |
| ROE | 15.8% | 11.9% | +3.9 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $208.1M | $177.6M | $167.8M | $25.8M | $2.0M | 1.96% | 4.42% | 0.75% |
| Q1 2026 | $212.2M | $186.7M | $161.1M | $24.7M | $957K | 1.86% | 4.37% | 0.62% |
| Q4 2025 | $199.5M | $172.1M | $158.2M | $26.5M | $4.2M | 2.13% | 4.54% | 0.73% |
| Q3 2025 | $202.3M | $176.1M | $153.4M | $25.4M | $3.2M | 2.19% | 4.50% | 0.78% |
| Q2 2025 | $198.0M | $172.8M | $151.5M | $24.2M | $2.1M | 2.20% | 4.47% | 0.85% |
| Q1 2025 | $193.7M | $170.0M | $145.0M | $23.0M | $1.0M | 2.11% | 4.41% | 0.68% |
| Q4 2024 | $190.0M | $163.0M | $151.1M | $24.0M | $3.8M | 2.17% | 4.41% | 0.59% |
| Q3 2024 | $176.7M | $151.3M | $139.8M | $23.2M | $2.9M | 2.24% | 4.36% | 0.72% |
Loan mix (Q2 2026): real estate $68.5M · commercial $28.8M · consumer $6.8M · securities $26.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 62.9% | 8th |
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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