County Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks County Savings Bank of Essington, PA against its peer group of 536 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 | 0.17% | 3.14% | -2.97% | 17th bottom |
| ROAE | 2.10% | 10.44% | -8.34% | 20th bottom |
| Net Interest Margin | 3.42% | 3.93% | -0.51% | 28th below |
| Efficiency Ratio | 91.38% | 76.26% | +15.12% | 17th bottom |
| PPNR / Avg Assets | 0.30% | 1.40% | -1.10% | 16th bottom |
| Yield on Earning Assets | 4.20% | 5.35% | -1.15% | 16th bottom |
| Cost of Funds | 0.82% | 1.71% | -0.89% | 87th top |
| Net Interest Spread | 3.23% | 3.31% | -0.08% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.72% | 1.49% | -0.77% | 11th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.43% | 62.09% | -42.66% | 41st below |
| Tier 1 Ratio | 19.43% | 62.09% | -42.66% | 41st below |
| Total Capital Ratio | 20.55% | 63.06% | -42.51% | 42nd below |
| Leverage Ratio | 8.08% | 17.63% | -9.55% | 4th bottom |
| Equity / Assets | 8.02% | 16.44% | -8.42% | 9th bottom |
| TCE / Tangible Assets | 8.02% | 16.19% | -8.17% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 67.95% | 72.84% | -4.89% | 48th below |
| Core Deposit Ratio | 98.49% | 88.19% | +10.30% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.06% | 4.33% | -10.39% | 10th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 6.73% | -1.22% | 61st above |
| Deposit Growth (Y/Y) | -6.82% | 3.80% | -10.62% | 9th bottom |
See County Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock County 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 County Savings Bank profile, how to read a UBPR, or how this data updates.