| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +0.7% | +5.6% | -4.8 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 17.3% | 11.9% | +5.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $345.8M | $295.5M | $156.4M | $29.3M | $2.4M | 1.42% | 3.23% | 0.83% |
| Q1 2026 | $341.5M | $293.6M | $156.0M | $27.1M | $1.0M | 1.18% | 3.10% | 0.81% |
| Q4 2025 | $342.6M | $291.2M | $158.2M | $28.5M | $4.1M | 1.26% | 3.25% | 0.51% |
| Q3 2025 | $323.9M | $275.9M | $157.7M | $26.9M | $3.5M | 1.43% | 3.25% | 0.71% |
| Q2 2025 | $318.7M | $276.8M | $155.3M | $22.7M | $2.3M | 1.40% | 3.23% | 0.66% |
| Q1 2025 | $323.7M | $280.5M | $156.7M | $24.1M | $1.1M | 1.37% | 3.19% | 0.40% |
| Q4 2024 | $328.4M | $278.8M | $163.8M | $23.2M | $4.1M | 1.24% | 3.04% | 0.42% |
| Q3 2024 | $325.6M | $278.7M | $163.8M | $26.5M | $3.1M | 1.27% | 2.98% | 1.29% |
Loan mix (Q2 2026): real estate $95.4M · commercial $39.2M · consumer $2.2M · securities $165.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 62.9% | 27th |
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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