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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.96% | 2.18% | 2.11% | 2.15% | 1.91% | 2.04% | 1.89% | 2.10% | -5 bps | |
| Return on Equity | 19.47% | 21.72% | 20.59% | 20.78% | 18.95% | 20.26% | 18.35% | 19.78% | -100 bps | |
| Net Interest Margin | 4.00% | 4.22% | 4.37% | 4.39% | 4.19% | 4.09% | 4.13% | 4.39% | 0 bps | |
| Efficiency Ratio | 42.90% | 39.86% | 39.96% | 38.66% | 42.79% | 39.44% | 41.78% | 40.04% | +138 bps | |
| Non-Interest Burden | 1.52% | 1.47% | 1.58% | 1.53% | 1.62% | 1.45% | 1.55% | 1.60% | +7 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.03% | 0.23% | 0.52% | +52 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 | |