| Metric | Conneaut Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.0% | -1.7 pts |
| Deposit growth (YoY) | +1.9% | +2.5% | -0.6 pts |
| Loan growth (YoY) | +2.4% | +2.6% | -0.2 pts |
| ROA | 0.58% | 0.99% | -0.4 pts |
| ROE | 4.4% | 8.1% | -3.7 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.7M | $65.3M | $53.8M | $10.2M | $221K | 0.58% | 3.85% | 0.28% |
| Q1 2026 | $76.4M | $64.4M | $54.7M | $10.1M | $130K | 0.68% | 3.95% | 0.25% |
| Q4 2025 | $76.1M | $64.6M | $52.5M | $10.0M | $93K | 0.12% | 3.35% | 0.48% |
| Q3 2025 | $74.5M | $63.0M | $51.3M | $9.9M | $33K | 0.06% | 3.30% | 0.60% |
| Q2 2025 | $75.8M | $64.1M | $52.5M | $9.6M | $-3K | -0.01% | 3.21% | 0.61% |
| Q1 2025 | $75.3M | $63.6M | $51.6M | $9.5M | $-11K | -0.06% | 3.13% | 0.52% |
| Q4 2024 | $74.8M | $62.5M | $51.0M | $9.3M | $-15K | -0.02% | 2.92% | 0.54% |
| Q3 2024 | $76.4M | $63.0M | $51.1M | $9.7M | $5K | 0.01% | 2.90% | 0.26% |
Loan mix (Q2 2026): real estate $52.5M · commercial $1.6M · consumer $167K · securities $14.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Conneaut Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.99% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 8.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 70.8% | 72th |
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 | Conneaut Savings 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 | Conneaut Savings 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 | Conneaut Savings 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 | Conneaut Savings 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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