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 | |