COMMUNITY SAVINGS

CALDWELL, OH | Small | Est. Jan. 1, 1885, midnight | FDIC #27969 | RSSD #476472 | OCC
Latest Report: 2025-12-31

COMMUNITY SAVINGS is asn small FDIC-insured commercial bank headquartered in CALDWELL, OH, established in Jan. 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $298M and total deposits of $237M. Profitability stands at 1.54% ROA and 12.95% ROE, with a net interest margin of 5.09%. The bank's CET1 capital ratio is 10.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.09% and a Texas Ratio of 7.23%. FDIC Certificate #27969.

Assets

$298M

Deposits

$237M

Loans

$259M

Equity

$36M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 12.95%
Net Interest Margin (NIM) 5.09%
Yield on Assets 8.20%
Cost of Funds 3.28%

Asset Quality

NPL Ratio 1.09%
Net Charge-Off Ratio 0.03%
Texas Ratio 7.23%
NPA Ratio 0.95%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 10.59%
Tier 1 Capital 10.59%
Total Capital Ratio 11.12%
Leverage Ratio 11.32%
Loan-to-Deposit 108.97%

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