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 | |