| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.4 pts |
| ROA | 0.62% | 1.24% | -0.6 pts |
| ROE | 7.5% | 11.9% | -4.3 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.9M | $160.6M | $94.8M | $14.2M | $538K | 0.62% | 3.07% | 0.20% |
| Q1 2026 | $169.3M | $153.8M | $87.2M | $14.4M | $306K | 0.71% | 3.06% | 0.06% |
| Q4 2025 | $173.1M | $157.7M | $85.9M | $14.2M | $928K | 0.53% | 2.98% | 0.49% |
| Q3 2025 | $168.4M | $153.2M | $86.4M | $14.0M | $747K | 0.57% | 2.95% | 0.51% |
| Q2 2025 | $172.6M | $158.9M | $86.2M | $12.5M | $484K | 0.55% | 2.87% | 0.42% |
| Q1 2025 | $175.8M | $162.4M | $83.6M | $12.4M | $274K | 0.61% | 2.80% | 0.00% |
| Q4 2024 | $181.2M | $168.5M | $86.8M | $11.3M | $712K | 0.41% | 2.69% | 0.11% |
| Q3 2024 | $172.1M | $157.9M | $84.8M | $12.9M | $549K | 0.42% | 2.65% | 0.23% |
Loan mix (Q2 2026): real estate $55.0M · commercial $7.2M · consumer $6.2M · securities $58.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 62.9% | 84th |
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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