| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -3.0% | +2.5% | -5.5 pts |
| Loan growth (YoY) | -3.4% | +2.6% | -6.0 pts |
| ROA | 0.57% | 0.99% | -0.4 pts |
| ROE | 3.1% | 8.1% | -4.9 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $41.4M | $33.6M | $13.2M | $7.8M | $120K | 0.57% | 2.77% | 0.00% |
| Q1 2026 | $42.8M | $35.1M | $13.8M | $7.6M | $29K | 0.27% | 2.66% | 0.00% |
| Q4 2025 | $42.8M | $35.1M | $14.4M | $7.6M | $149K | 0.35% | 2.66% | 0.00% |
| Q3 2025 | $41.8M | $34.2M | $13.9M | $7.6M | $124K | 0.40% | 2.65% | 0.00% |
| Q2 2025 | $42.0M | $34.6M | $13.7M | $7.3M | $138K | 0.66% | 2.63% | 1.39% |
| Q1 2025 | $41.9M | $34.8M | $14.2M | $7.1M | $33K | 0.32% | 2.63% | 2.28% |
| Q4 2024 | $41.5M | $34.6M | $16.0M | $6.8M | $201K | 0.46% | 2.68% | 2.30% |
| Q3 2024 | $42.6M | $35.3M | $15.6M | $7.2M | $204K | 0.62% | 2.67% | 2.24% |
Loan mix (Q2 2026): real estate $2.4M · commercial $1.7M · consumer $870K · securities $16.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.99% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 8.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 70.8% | 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% |
| 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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