Community Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 32.36 percentage points higher than in Q1 2026, at 193.06%. Community Savings Bank has the 14th lowest return on assets of the 323 banks headquartered in Illinois, at -0.11% as of Q2 2026. Community Savings Bank's return on assets of -0.11% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.36 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.50% |
| Equity capital to assets | 11.54% |
| Tangible equity to tangible assets | 11.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.52% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 193.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.11% |
| Return on equity | -0.95% |
| Net interest margin | 2.36% |
| Efficiency ratio | 104.36% |
| Yield on earning assets | 3.98% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.29% |
| Core deposits to total deposits | 90.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.03% |
| Securities to assets | 34.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.48% | -0.39% | 1.74% | 1.74% | -0.00% |
| Q4 2023 | 14.28% | -0.43% | 1.55% | 2.13% | 0.00% |
| Q1 2024 | 13.92% | -0.61% | 1.43% | 0.62% | 0.00% |
| Q2 2024 | 14.06% | -0.62% | 1.48% | 0.71% | 0.00% |
| Q3 2024 | 14.10% | -0.79% | 1.35% | 0.87% | 0.04% |
| Q4 2024 | 14.10% | -0.73% | 1.45% | 0.63% | -0.00% |
| Q1 2025 | 14.09% | -0.60% | 1.70% | 0.72% | -0.01% |
| Q2 2025 | 14.11% | -0.44% | 1.86% | 0.93% | -0.00% |
| Q3 2025 | 13.68% | -0.37% | 1.98% | 0.73% | 0.04% |
| Q4 2025 | 13.49% | -0.48% | 2.08% | 0.80% | -0.05% |
| Q1 2026 | 13.52% | -0.32% | 2.18% | 0.63% | -0.00% |
| Q2 2026 | 13.50% | -0.11% | 2.36% | 0.53% | -0.01% |
Community Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28841) · FFIEC NIC profile (RSSD 520777)