The Conneaut 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.38 percentage points lower than in Q1 2026, at 134.88%. The Conneaut Savings Bank ranks 129th of 156 Ohio banks on return on assets, in the lower half at 0.47% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, The Conneaut Savings Bank reported 0.47% on return on assets in Q2 2026, 0.51 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 | 15.09% |
| Equity capital to assets | 13.27% |
| Tangible equity to tangible assets | 13.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.05% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | 134.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 3.58% |
| Net interest margin | 3.64% |
| Efficiency ratio | 84.62% |
| Yield on earning assets | 4.64% |
| Cost of funds | 1.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.79% |
| Core deposits to total deposits | 97.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.12% |
| Securities to assets | 19.13% |
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 | 14.29% | 0.06% | 2.88% | 0.54% | 0.00% |
| Q4 2023 | 14.10% | -0.82% | 2.78% | 0.61% | 0.00% |
| Q1 2024 | 14.14% | -0.05% | 2.74% | 0.43% | 0.00% |
| Q2 2024 | 14.40% | 0.06% | 2.78% | 0.39% | 0.00% |
| Q3 2024 | 14.65% | 0.02% | 2.87% | 0.39% | 0.00% |
| Q4 2024 | 14.85% | -0.10% | 2.84% | 0.79% | 0.00% |
| Q1 2025 | 14.95% | -0.06% | 2.98% | 0.75% | 0.00% |
| Q2 2025 | 14.88% | 0.04% | 3.15% | 0.88% | 0.00% |
| Q3 2025 | 15.19% | 0.19% | 3.37% | 0.86% | 0.00% |
| Q4 2025 | 15.07% | 0.31% | 3.41% | 0.69% | 0.00% |
| Q1 2026 | 15.10% | 0.68% | 3.78% | 0.35% | 0.00% |
| Q2 2026 | 15.09% | 0.47% | 3.64% | 0.40% | 0.00% |
The Conneaut Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Conneaut 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 The Conneaut Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28677) · FFIEC NIC profile (RSSD 203575)