| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +16.3% | +5.6% | +10.8 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 15.3% | 11.9% | +3.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $132.8M | $109.2M | $92.3M | $15.6M | $1.2M | 1.78% | 3.83% | 0.15% |
| Q1 2026 | $130.7M | $107.5M | $88.1M | $15.0M | $577K | 1.78% | 3.74% | 0.12% |
| Q4 2025 | $128.3M | $105.0M | $87.4M | $14.8M | $1.9M | 1.55% | 3.72% | 0.60% |
| Q3 2025 | $121.9M | $98.8M | $83.8M | $14.4M | $1.5M | 1.65% | 3.70% | 0.25% |
| Q2 2025 | $123.4M | $101.0M | $79.3M | $13.6M | $939K | 1.56% | 3.66% | 0.27% |
| Q1 2025 | $121.8M | $100.5M | $76.0M | $13.0M | $452K | 1.53% | 3.56% | 0.30% |
| Q4 2024 | $115.3M | $94.3M | $76.1M | $12.7M | $1.4M | 1.30% | 3.37% | 0.16% |
| Q3 2024 | $106.7M | $85.4M | $72.9M | $12.5M | $1.1M | 1.33% | 3.27% | 0.21% |
Loan mix (Q2 2026): real estate $67.4M · commercial $5.9M · consumer $12.7M · securities $21.9M
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.9% | 62.9% | 2nd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $109.2M branch deposits. Biggest market: Shelby, MO, ranked 1st with 41.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Shelby, MO | 2 | $109.2M | 41.52% | 1st |
Missouri: 222nd with 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend down 83% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 19, 2025 | Target | O'Laughlin Family Control Group | Change in control | Completed | Federal Reserve |
| Aug 19, 2025 | Target | Ramsey Family Control Group | Change in control | Completed | Federal Reserve |