| Metric | County Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +3.0% | -9.1 pts |
| Deposit growth (YoY) | -6.8% | +2.5% | -9.3 pts |
| Loan growth (YoY) | +5.5% | +2.6% | +2.9 pts |
| ROA | 0.17% | 0.99% | -0.8 pts |
| ROE | 2.2% | 8.1% | -5.9 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.4M | $82.2M | $55.5M | $7.3M | $78K | 0.17% | 3.40% | 0.00% |
| Q1 2026 | $89.6M | $81.5M | $53.8M | $7.2M | $40K | 0.18% | 3.36% | 0.00% |
| Q4 2025 | $89.1M | $81.1M | $54.0M | $7.2M | $183K | 0.19% | 3.23% | 0.00% |
| Q3 2025 | $92.3M | $84.3M | $53.2M | $7.1M | $135K | 0.19% | 3.19% | 0.00% |
| Q2 2025 | $96.2M | $88.3M | $52.6M | $7.1M | $78K | 0.16% | 3.14% | 0.00% |
| Q1 2025 | $97.3M | $89.4M | $52.9M | $7.0M | $36K | 0.15% | 3.12% | 0.00% |
| Q4 2024 | $100.0M | $92.2M | $52.4M | $7.0M | $219K | 0.22% | 2.98% | 0.00% |
| Q3 2024 | $101.7M | $93.9M | $51.5M | $6.9M | $108K | 0.14% | 2.95% | 0.00% |
Loan mix (Q2 2026): real estate $55.8M · commercial $0 · consumer $75K · securities $16.2M
| Ratio | County Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.99% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 70.8% | 85th |
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 | County 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 | County 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 | County 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 | County 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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