Bank Comparison
Community Savings Bank vs Peoples Savings and Loan Company, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 7
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Community Savings Bank | Peoples Savings and Loan Company, the |
|---|---|---|
| CET1 Ratio | — | 14.29% |
| Tier 1 Capital Ratio | — | 14.29% |
| Total Capital Ratio | — | 15.49% |
| Tier 1 Leverage Ratio | 14.56% | 8.91% |
| Equity / Assets | 14.29% | 8.83% |
Profitability
| Metric | Community Savings Bank | Peoples Savings and Loan Company, the |
|---|---|---|
| Return on Assets (ROA) | 0.32% | 0.54% |
| Return on Equity (ROE) | 2.20% | 6.10% |
| Net Interest Margin (NIM) | 3.52% | 2.86% |
| Yield on Earning Assets | 5.82% | 5.04% |
| Cost of Funds | 2.58% | 2.30% |
Asset quality
| Metric | Community Savings Bank | Peoples Savings and Loan Company, the |
|---|---|---|
| Texas Ratio | 0.58% | 1.29% |
| Non-Performing Loan Ratio | 0.10% | 0.14% |
| Non-Performing Asset Ratio | 0.09% | 0.12% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.47% | 0.84% |
Balance sheet
| Metric | Community Savings Bank | Peoples Savings and Loan Company, the |
|---|---|---|
| Total Assets | $111,074K | $110,671K |
| Total Deposits | $83,503K | $78,201K |
| Total Loans | $92,013K | $96,528K |
| Total Equity | $15,870K | $9,769K |
| Net Income (quarter) | $87 | $148 |
Liquidity & funding
| Metric | Community Savings Bank | Peoples Savings and Loan Company, the |
|---|---|---|
| Loan-to-Deposit Ratio | 110.19% | 123.44% |
| Core Deposit Ratio | 91.26% | 92.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Savings Bank | Peoples Savings and Loan Company, the |
|---|---|---|
| Headquarters City | BETHEL | WEST LIBERTY |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 17 | 12 |
| Established | April 6, 1889, midnight | Jan. 1, 1890, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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