Miles, TX · Cert 15519 · CSB Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
27
Profitability
85
Liquidity
6
Efficiency
92
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Miles, TX · Cert 15519 · CSB Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Angelo, TX · 2026 SOD (annual) · 3.9% share · #8 of 15 inst. · $0.1B of $3.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 2.02% | 2.11% | 2.12% | 2.04% | 2.06% | 1.89% | 2.00% | -12 bps | |
| Return on Equity | 20.05% | 20.53% | 20.59% | 20.71% | 20.10% | 20.21% | 18.35% | 19.06% | -165 bps | |
| Net Interest Margin | 3.89% | 3.90% | 4.37% | 4.34% | 4.15% | 3.95% | 4.13% | 4.24% | -10 bps | |
| Efficiency Ratio | 41.96% | 41.40% | 39.96% | 39.30% | 40.49% | 40.22% | 41.78% | 40.89% | +158 bps | |
| Non-Interest Burden | 1.40% | 1.39% | 1.58% | 1.54% | 1.52% | 1.43% | 1.55% | 1.57% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.07% | 6.23% | 6.60% | 12.12% | 15.66% | 11.87% | 12.27% | 4.53% | -759 bps | |
| Loan Growth (YoY) | 5.48% | 9.25% | 14.43% | 14.65% | 14.89% | 9.53% | 4.49% | 5.61% | -904 bps | |
| Deposit Growth (YoY) | 7.36% | 5.51% | 5.68% | 11.92% | 15.98% | 11.59% | 12.35% | 3.73% | -819 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.64% | 0.15% | 0.00% | 1.00% | 0.88% | 0.44% | +30 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | 0.00% | 0.00% | 0.02% | 0.03% | 0.23% | 0.38% | +38 bps | |
| Allowance / Loans | 1.39% | 1.33% | 1.29% | 1.31% | 1.28% | 1.31% | 1.28% | 1.17% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.0x | 9.0x | n/a | 1.3x | 1.5x | 2.7x | -6.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.37% | 10.62% | 10.71% | 10.41% | 10.10% | 10.51% | 10.74% | +3 bps | |
| Total Risk-Based Capital | 10.32% | 10.37% | 10.62% | 10.71% | 10.41% | 10.10% | 10.51% | 10.74% | +3 bps | |
| Equity / Assets | 9.99% | 10.09% | 10.37% | 10.31% | 9.86% | 10.31% | 10.28% | 10.96% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.04% | 85.62% | 89.18% | 86.86% | 82.27% | 84.04% | 82.94% | 88.43% | +157 bps | |
| Liquid Assets / Assets | 13.89% | 9.56% | 8.94% | 12.47% | 16.22% | 14.17% | 16.00% | 10.60% | -187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 172.83% | 179.61% | 167.55% | n/a | n/a | |
Miles, TX · Cert 15519 · Peer group: banks under $1B in assets in TX (n=208-211) · CSB Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
2.04%
Rank 15 of 211
Net Interest Margin
4.24%
Rank 63 of 211
Efficiency Ratio
40.89%
Rank 18 of 211
Equity / Assets
10.96%
Rank 109 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.04% | 0.87% | 1.20% | 1.65% | Beats 93% | 15 / 211 | ||
| Return on Equity | 18.60% | 7.52% | 11.67% | 14.58% | Beats 91% | 18 / 211 | ||
| Net Interest Margin | 4.24% | 3.28% | 3.82% | 4.31% | Beats 70% | 63 / 211 | ||
| Efficiency Ratio | 40.89% | 53.01% | 64.18% | 73.65% | Beats 92% | 18 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.01% | 0.30% | 1.10% | Beats 44% | 118 / 208 | ||
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.06% | Beats 9% | 190 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.74% | 11.72% | 14.45% | 19.57% | Beats 17% | 176 / 211 | ||
| Total Risk-Based Capital Ratio | 10.74% | 11.94% | 14.78% | 20.30% | Beats 16% | 178 / 211 | ||
| Equity / Assets | 10.96% | 9.41% | 11.06% | 12.94% | Beats 48% | 109 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.43% | 45.39% | 66.56% | 82.03% | 88th pctl | 25 / 208 | ||
| Loans / Assets | 78.44% | 39.13% | 56.90% | 70.46% | 91st pctl | 19 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||