County 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 Loan-to-deposit ratio: 1.52 percentage points higher than in Q1 2026, at 67.95%. County Savings Bank has the 5th lowest return on assets of the 109 banks headquartered in Pennsylvania, at 0.17% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, County Savings Bank reported 0.17% on return on assets in Q2 2026, 0.81 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.43% |
| Tier 1 risk-based capital ratio | 19.43% |
| Total risk-based capital ratio | 20.55% |
| Tier 1 leverage ratio | 8.08% |
| Equity capital to assets | 8.02% |
| Tangible equity to tangible assets | 8.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.17% |
| Return on equity | 2.10% |
| Net interest margin | 3.42% |
| Efficiency ratio | 91.38% |
| Yield on earning assets | 4.20% |
| Cost of funds | 0.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.95% |
| Core deposits to total deposits | 98.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.01% |
| Securities to assets | 17.96% |
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 | 18.94% | 18.94% | 20.08% | 6.69% | 0.23% |
| Q4 2023 | 19.11% | 19.11% | 20.24% | 6.81% | 0.36% |
| Q1 2024 | 19.15% | 19.15% | 20.32% | 6.77% | 0.10% |
| Q2 2024 | 19.07% | 19.07% | 20.26% | 6.69% | 0.17% |
| Q3 2024 | 18.97% | 18.97% | 20.13% | 6.79% | 0.16% |
| Q4 2024 | 19.18% | 19.18% | 20.23% | 6.95% | 0.44% |
| Q1 2025 | 19.10% | 19.10% | 20.15% | 7.02% | 0.14% |
| Q2 2025 | 19.31% | 19.31% | 20.39% | 7.31% | 0.17% |
| Q3 2025 | 19.67% | 19.67% | 20.74% | 7.60% | 0.24% |
| Q4 2025 | 19.80% | 19.80% | 20.93% | 7.88% | 0.21% |
| Q1 2026 | 19.73% | 19.73% | 20.82% | 8.17% | 0.18% |
| Q2 2026 | 19.43% | 19.43% | 20.55% | 8.08% | 0.17% |
County Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29231) · FFIEC NIC profile (RSSD 658072)