Galva, IL · Cert 23257 · CSB Financial Holdings Inc.
State charter, non-member · FDIC · 9 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
60
Profitability
53
Liquidity
84
Efficiency
67
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.
Galva, IL · Cert 23257 · CSB Financial Holdings Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 1.7% share · #15 of 29 inst. · $0.2B of $10.5B
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 | 0.88% | 1.14% | 1.18% | 1.26% | 1.28% | 1.17% | 1.13% | 1.08% | -18 bps | |
| Return on Equity | 8.97% | 11.47% | 11.40% | 12.21% | 12.33% | 11.21% | 11.12% | 10.94% | -126 bps | |
| Net Interest Margin | 3.32% | 3.27% | 3.50% | 3.60% | 3.59% | 3.52% | 3.70% | 3.55% | -6 bps | |
| Efficiency Ratio | 54.75% | 54.36% | 55.65% | 53.74% | 53.69% | 56.82% | 59.53% | 61.08% | +734 bps | |
| Non-Interest Burden | 1.78% | 1.73% | 1.91% | 1.90% | 1.89% | 1.96% | 2.17% | 2.14% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 5.24% | 4.38% | 4.14% | 3.03% | 5.49% | 9.76% | 18.57% | +1,443 bps | |
| Loan Growth (YoY) | 3.82% | 8.00% | 9.59% | 3.60% | 2.83% | 8.74% | 12.89% | 15.15% | +1,155 bps | |
| Deposit Growth (YoY) | 6.69% | 4.36% | 3.36% | 3.08% | 2.55% | 5.56% | 10.31% | 20.30% | +1,722 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.63% | 0.13% | 1.33% | 1.32% | 1.27% | 1.18% | 1.20% | 1.38% | +6 bps | |
| Net Charge-Offs / Loans | 0.61% | 0.05% | -0.47% | -0.29% | -0.17% | -0.13% | -0.03% | -0.02% | +27 bps | |
| Allowance / Loans | 1.24% | 1.36% | 1.48% | 1.55% | 1.56% | 1.49% | 1.44% | 1.45% | -10 bps | |
| Allowance Coverage of NPLs | 0.8x | 10.9x | 1.1x | 1.2x | 1.2x | 1.3x | 1.2x | 1.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.84% | 9.87% | 9.97% | 10.19% | 10.14% | 10.19% | 9.85% | 9.41% | -78 bps | |
| Total Risk-Based Capital | 9.84% | 9.87% | 9.97% | 10.19% | 10.14% | 10.19% | 9.85% | 9.41% | -78 bps | |
| Equity / Assets | 10.15% | 10.27% | 10.35% | 10.45% | 10.53% | 10.37% | 10.02% | 9.32% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.23% | 78.98% | 80.66% | 79.08% | 77.44% | 81.35% | 82.54% | 75.70% | -338 bps | |
| Liquid Assets / Assets | 19.54% | 19.36% | 19.71% | 21.80% | 23.19% | 18.29% | 18.22% | 22.88% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 425% | 464% | n/a | n/a | |
Galva, IL · Cert 23257 · Peer group: banks under $1B in assets (n=581-629) · CSB Financial Holdings Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.01%
Rank 319 of 629
Net Interest Margin
3.55%
Rank 306 of 629
Efficiency Ratio
61.95%
Rank 207 of 629
Equity / Assets
9.32%
Rank 447 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.60% | 1.01% | 1.45% | Beats 49% | 319 / 629 | ||
| Return on Equity | 10.80% | 5.38% | 9.30% | 13.28% | Beats 59% | 258 / 629 | ||
| Net Interest Margin | 3.55% | 3.03% | 3.54% | 4.05% | Beats 51% | 306 / 629 | ||
| Efficiency Ratio | 61.95% | 58.35% | 67.79% | 79.08% | Beats 67% | 207 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.38% | 0.09% | 0.46% | 1.20% | Beats 20% | 463 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.41% | 11.24% | 13.84% | 18.77% | Beats 5% | 598 / 629 | ||
| Total Risk-Based Capital Ratio | 9.41% | 11.58% | 14.43% | 19.66% | Beats 5% | 599 / 629 | ||
| Equity / Assets | 9.32% | 9.09% | 10.65% | 13.80% | Beats 29% | 447 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.70% | 67.24% | 80.90% | 93.48% | 41st pctl | 351 / 594 | ||
| Loans / Assets | 68.37% | 53.31% | 67.71% | 78.15% | 51st pctl | 306 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||