| 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% | 2th |
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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