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 Bethel, OH 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 | 0.62% | 1.34% | -0.72% | 16th bottom |
| ROAE | 4.24% | 13.32% | -9.08% | 12th bottom |
| Net Interest Margin | 3.62% | 3.93% | -0.31% | 33rd below |
| Efficiency Ratio | 78.58% | 61.14% | +17.44% | 15th bottom |
| PPNR / Avg Assets | 0.74% | 1.68% | -0.94% | 13th bottom |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.17% | 3.32% | -0.15% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 73rd above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 0.48% | 1.28% | -0.80% | 2nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 487.78% | 1538.81% | -1051.03% | 70th above |
| Texas Ratio | 0.55% | 7.33% | -6.78% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.76% | 12.14% | +2.62% | 85th top |
| Equity / Assets | 13.40% | 11.37% | +2.03% | 81st top |
| TCE / Tangible Assets | 13.40% | 11.09% | +2.31% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.18% | 80.64% | +16.54% | 15th bottom |
| Core Deposit Ratio | 85.25% | 86.86% | -1.61% | 31st below |
| Wholesale Funding Ratio | 6.19% | 5.03% | +1.16% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.71% | 6.85% | -0.14% | 67th above |
| Loan Growth (Y/Y) | -3.40% | 7.90% | -11.30% | 11th bottom |
| Deposit Growth (Y/Y) | 12.87% | 6.29% | +6.58% | 88th top |
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.