Community Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Savings Bank of Edgewood, IA against its peer group of 2672 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 | 1.00% | 1.34% | -0.34% | 33rd below |
| ROAE | 11.64% | 13.32% | -1.68% | 46th below |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 68.03% | 61.14% | +6.89% | 32nd below |
| PPNR / Avg Assets | 1.05% | 1.68% | -0.63% | 23rd bottom |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 31st below |
| Net Interest Spread | 2.94% | 3.32% | -0.38% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 0.94% | -0.20% | 36th below |
| NPA / Total Assets | 0.80% | 0.70% | +0.10% | 26th below |
| NCO / Avg Loans | 0.35% | 0.16% | +0.19% | 8th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 52nd above |
| ACL / NPLs (Coverage) | 163.50% | 1539.57% | -1376.07% | 42nd below |
| Texas Ratio | 9.53% | 7.33% | +2.20% | 23rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 150.93% | 1396.61% | -1245.68% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.66% | 19.51% | -5.85% | 35th below |
| Tier 1 Ratio | 13.66% | 19.54% | -5.88% | 35th below |
| Total Capital Ratio | 14.80% | 20.63% | -5.83% | 36th below |
| Leverage Ratio | 10.05% | 12.14% | -2.09% | 33rd below |
| Equity / Assets | 8.98% | 11.38% | -2.40% | 27th below |
| TCE / Tangible Assets | 8.36% | 11.09% | -2.73% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.78% | 80.63% | +4.15% | 41st below |
| Core Deposit Ratio | 82.76% | 86.86% | -4.10% | 23rd bottom |
| Wholesale Funding Ratio | 8.61% | 5.03% | +3.58% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.26% | 6.86% | -5.60% | 27th below |
| Loan Growth (Y/Y) | -3.97% | 7.91% | -11.88% | 10th bottom |
| Deposit Growth (Y/Y) | 6.57% | 6.29% | +0.28% | 68th above |
See Community Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Savings Bank, 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 Community Savings Bank profile, how to read a UBPR, or how this data updates.