The Commercial and Savings Bank of Millersburg, Ohio: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Commercial and Savings Bank of Millersburg, Ohio of Millersburg, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.48% | 1.46% | +0.02% | 65th above |
| ROAE | 14.81% | 12.71% | +2.10% | 69th above |
| Net Interest Margin | 3.91% | 3.85% | +0.06% | 63rd above |
| Efficiency Ratio | 52.43% | 57.41% | -4.98% | 68th above |
| PPNR / Avg Assets | 2.03% | 1.88% | +0.15% | 70th above |
| Yield on Earning Assets | 5.07% | 5.72% | -0.65% | 23rd bottom |
| Cost of Funds | 1.03% | 2.02% | -0.99% | 93rd top |
| Net Interest Spread | 3.43% | 3.18% | +0.25% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.93% | 1.00% | -0.07% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.76% | -0.13% | 41st below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 58th above |
| ACL / Total Loans | 1.56% | 1.31% | +0.25% | 88th top |
| ACL / NPLs (Coverage) | 166.95% | 543.54% | -376.59% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.80% | 7.39% | -1.59% | 43rd below |
| Provision / NCO | 3122.86% | 617.12% | +2505.74% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 17.34% | -2.04% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 17.37% | -2.07% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.55% | 18.42% | -1.87% | 74th above |
| Leverage Ratio | 10.25% | 11.44% | -1.19% | 44th below |
| Equity / Assets | 10.11% | 11.34% | -1.23% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.78% | 10.50% | -0.72% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.63% | 86.96% | -10.33% | 76th top |
| Core Deposit Ratio | 91.82% | 85.55% | +6.27% | 67th above |
| Uninsured Deposit Ratio | 23.99% | 33.13% | -9.14% | 74th above |
| Wholesale Funding Ratio | 1.75% | 5.71% | -3.96% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.63% | 9.68% | -5.05% | 46th below |
| Loan Growth (Y/Y) | 10.33% | 8.05% | +2.28% | 74th above |
| Deposit Growth (Y/Y) | 4.10% | 7.87% | -3.77% | 45th below |
See The Commercial and Savings Bank of Millersburg, Ohio's peers by name
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Unlock The Commercial and Savings Bank of Millersburg, Ohio, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Commercial and Savings Bank of Millersburg, Ohio profile, how to read a UBPR, or how this data updates.