Compass 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 dropped 284.29 percentage points in Q2 2026, from 761.90% to 477.61%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Compass Savings Bank is 2nd from the bottom among 109 Pennsylvania banks, -0.34% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Compass Savings Bank reported -0.34% on return on assets in Q2 2026, 1.32 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.17% |
| Tier 1 risk-based capital ratio | 14.17% |
| Total risk-based capital ratio | 15.33% |
| Tier 1 leverage ratio | 7.29% |
| Equity capital to assets | 7.31% |
| Tangible equity to tangible assets | 7.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.58% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | 477.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.34% |
| Return on equity | -4.57% |
| Net interest margin | 1.66% |
| Efficiency ratio | 118.75% |
| Yield on earning assets | 4.40% |
| Cost of funds | 3.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.34% |
| Core deposits to total deposits | 88.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.04% |
| Securities to assets | 2.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.64% | 13.64% | 14.61% | 7.40% | 0.56% |
| Q4 2023 | 13.22% | 13.22% | 14.19% | 7.08% | -0.56% |
| Q1 2024 | 13.08% | 13.08% | 14.09% | 6.85% | -0.84% |
| Q2 2024 | 12.33% | 12.33% | 13.34% | 6.49% | -0.99% |
| Q3 2024 | 12.74% | 12.74% | 13.82% | 6.38% | -0.72% |
| Q4 2024 | 11.75% | 11.75% | 12.79% | 6.17% | -0.88% |
| Q1 2025 | 11.86% | 11.86% | 12.95% | 5.96% | -0.91% |
| Q2 2025 | 11.05% | 11.05% | 12.12% | 5.73% | -0.84% |
| Q3 2025 | 13.82% | 13.82% | 14.92% | 6.92% | 3.65% |
| Q4 2025 | 14.13% | 14.13% | 15.26% | 7.15% | -0.11% |
| Q1 2026 | 14.81% | 14.81% | 16.01% | 7.24% | -0.34% |
| Q2 2026 | 14.17% | 14.17% | 15.33% | 7.29% | -0.34% |
Compass Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Compass 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 Compass Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29430) · FFIEC NIC profile (RSSD 373272)