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.
Reserve coverage of non-performing loans climbed 27.78 percentage points in Q2 2026, from 460.00% to 487.78%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Community Savings Bank is 118th of 156 on return on assets, 0.62% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Community Savings Bank reported 0.62% on return on assets in Q2 2026, 0.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.76% |
| Equity capital to assets | 13.40% |
| Tangible equity to tangible assets | 13.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.55% |
| Allowance for credit losses to loans | 0.48% |
| Reserve coverage of non-performing loans | 487.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 4.24% |
| Net interest margin | 3.62% |
| Efficiency ratio | 78.58% |
| Yield on earning assets | 5.86% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.18% |
| Core deposits to total deposits | 85.25% |
| Brokered deposits to total deposits | 6.45% |
| Deposits to assets | 79.39% |
| Securities to assets | 4.51% |
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 | 18.46% | 0.22% | 3.72% | 0.20% | -0.01% |
| Q4 2023 | 18.03% | 0.27% | 3.55% | 0.14% | 0.02% |
| Q1 2024 | 17.70% | 0.04% | 3.35% | 0.19% | -0.01% |
| Q2 2024 | 17.24% | 0.01% | 3.14% | 0.17% | 0.02% |
| Q3 2024 | 16.70% | -1.65% | 3.18% | 0.25% | -0.01% |
| Q4 2024 | 16.49% | 0.00% | 3.06% | 0.53% | -0.05% |
| Q1 2025 | 16.84% | 0.25% | 3.32% | 0.23% | -0.02% |
| Q2 2025 | 14.96% | 0.62% | 3.47% | 0.18% | -0.01% |
| Q3 2025 | 14.14% | 0.38% | 3.53% | 0.11% | -0.01% |
| Q4 2025 | 14.34% | 0.41% | 3.57% | 0.11% | -0.01% |
| Q1 2026 | 14.56% | 0.32% | 3.52% | 0.10% | -0.00% |
| Q2 2026 | 14.76% | 0.62% | 3.62% | 0.10% | -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 32286) · FFIEC NIC profile (RSSD 847979)