Commercial Savings Bank
Carroll, IA · Cert 231 · Peer group: banks under $1B in assets in IA (n=134-135) · Commercial Ban Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
$348.8MAssets
$287.5MLoans
$292.7MDeposits
$28.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 99% of banks under $1B in assets in IA (rank 1 of 135).
- Widest gap: equity / assets trails 96% of banks under $1B in assets in IA (rank 129 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.61%
Rank 22 of 135
Net Interest Margin
3.43%
Rank 67 of 135
Efficiency Ratio
40.64%
Rank 9 of 135
Equity / Assets
8.04%
Rank 129 of 135
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 94% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.92% | 1.19% | 1.47% | Beats 84% | 22 / 135 | | |
| Return on Equity | 20.07% | 7.99% | 10.26% | 13.14% | Beats 99% | 1 / 135 | | |
| Net Interest Margin | 3.43% | 2.95% | 3.41% | 3.73% | Beats 50% | 67 / 135 | | |
| Efficiency Ratio | 40.64% | 50.61% | 57.35% | 63.29% | Beats 94% | 9 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.03% | 0.51% | 1.26% | Beats 30% | 95 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 57% | 58 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 11.62% | 11.23% | 13.31% | 15.45% | Beats 31% | 93 / 135 | | |
| Total Risk-Based Capital Ratio | 12.66% | 11.61% | 14.06% | 16.47% | Beats 36% | 86 / 135 | | |
| Equity / Assets | 8.04% | 9.87% | 11.05% | 13.07% | Beats 4% | 129 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.21% | 68.54% | 81.55% | 91.24% | 87th pctl | 18 / 134 | | |
| Loans / Assets | 82.41% | 57.61% | 68.06% | 76.23% | 90th pctl | 13 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |