| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.4% | +5.3 pts |
| Deposit growth (YoY) | +8.8% | +4.0% | +4.8 pts |
| Loan growth (YoY) | +10.5% | +5.6% | +4.9 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $393.1M | $363.3M | $288.2M | $28.4M | $1.6M | 0.84% | 4.54% | 0.27% |
| Q1 2026 | $390.2M | $361.0M | $279.6M | $28.1M | $791K | 0.82% | 4.32% | 0.28% |
| Q4 2025 | $379.8M | $351.5M | $274.3M | $27.2M | $3.5M | 0.94% | 4.52% | 0.33% |
| Q3 2025 | $366.7M | $339.1M | $266.4M | $26.0M | $2.3M | 0.83% | 4.46% | 0.16% |
| Q2 2025 | $358.3M | $334.0M | $260.8M | $22.9M | $1.8M | 1.02% | 4.36% | 0.15% |
| Q1 2025 | $377.6M | $352.6M | $256.4M | $23.5M | $846K | 0.93% | 4.11% | 0.17% |
| Q4 2024 | $348.5M | $324.3M | $253.2M | $23.0M | $2.9M | 0.82% | 4.11% | 1.97% |
| Q3 2024 | $352.6M | $315.5M | $253.4M | $24.2M | $2.3M | 0.86% | 4.09% | 1.82% |
Loan mix (Q2 2026): real estate $218.3M · commercial $27.8M · consumer $18.3M · securities $64.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Community State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 62.9% | 82th |
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 | The 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 | The 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 | The 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 | The 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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