| Metric | CS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| Loan growth (YoY) | +9.4% | +5.3% | +4.1 pts |
| ROA | 2.09% | 1.28% | +0.8 pts |
| ROE | 17.7% | 12.4% | +5.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $628.5M | $485.5M | $520.6M | $74.8M | $6.5M | 2.09% | 4.94% | 1.19% |
| Q1 2026 | $621.0M | $480.4M | $507.5M | $73.3M | $3.1M | 2.02% | 4.88% | 1.11% |
| Q4 2025 | $614.2M | $474.8M | $494.5M | $71.9M | $13.6M | 2.25% | 4.85% | 0.77% |
| Q3 2025 | $610.4M | $472.9M | $483.4M | $69.8M | $10.3M | 2.27% | 4.82% | 0.47% |
| Q2 2025 | $593.8M | $468.5M | $475.8M | $66.9M | $6.1M | 2.03% | 4.75% | 0.53% |
| Q1 2025 | $601.0M | $472.6M | $473.7M | $65.8M | $3.0M | 1.96% | 4.60% | 0.61% |
| Q4 2024 | $609.8M | $482.3M | $469.6M | $64.3M | $11.2M | 1.96% | 4.56% | 0.55% |
| Q3 2024 | $573.4M | $448.4M | $470.2M | $62.0M | $7.9M | 1.87% | 4.54% | 0.67% |
Loan mix (Q2 2026): real estate $466.9M · commercial $27.9M · consumer $18.0M · securities $35.9M
| Ratio | CS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 61.2% | 39th |
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 | CS 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 | CS 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 | CS 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 | CS 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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