| Metric | Community State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.9% | +3.3 pts |
| Deposit growth (YoY) | +7.9% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +9.3% | +5.3% | +4.0 pts |
| ROA | 1.40% | 1.28% | +0.1 pts |
| ROE | 22.7% | 12.4% | +10.2 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $667.5M | $621.3M | $363.9M | $40.7M | $4.6M | 1.40% | 3.89% | 0.15% |
| Q1 2026 | $651.9M | $606.5M | $344.9M | $40.1M | $2.2M | 1.38% | 3.81% | 0.07% |
| Q4 2025 | $639.3M | $593.8M | $329.3M | $39.7M | $7.2M | 1.17% | 3.77% | 0.09% |
| Q3 2025 | $614.0M | $570.0M | $327.8M | $37.7M | $5.3M | 1.15% | 3.77% | 0.15% |
| Q2 2025 | $617.1M | $575.9M | $332.9M | $34.8M | $3.4M | 1.09% | 3.72% | 0.17% |
| Q1 2025 | $617.3M | $579.1M | $324.1M | $32.1M | $1.8M | 1.16% | 3.67% | 0.18% |
| Q4 2024 | $611.9M | $578.8M | $320.6M | $27.2M | $6.3M | 1.05% | 3.65% | 0.25% |
| Q3 2024 | $606.4M | $564.8M | $325.6M | $34.1M | $4.5M | 1.02% | 3.64% | 0.27% |
Loan mix (Q2 2026): real estate $279.8M · commercial $76.6M · consumer $684K · securities $171.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 22.7% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 61.2% | 63th |
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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