Community Savings
Caldwell, OH · Cert 27969 · Peer group: banks under $1B in assets in OH (n=68-71) · Double Bottomline Corp.
State savings bank · OCC · 1 branch
Q2 2026
$284.7MAssets
$244.9MLoans
$219.8MDeposits
$37.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets in OH (rank 2 of 71).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets in OH (rank 59 of 68).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.40%
Rank 17 of 71
Net Interest Margin
5.17%
Rank 2 of 71
Efficiency Ratio
67.70%
Rank 32 of 71
Equity / Assets
13.32%
Rank 18 of 71
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 56% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.62% | 1.02% | 1.39% | Beats 76% | 17 / 71 | | |
| Return on Equity | 10.48% | 5.62% | 10.07% | 13.60% | Beats 51% | 35 / 71 | | |
| Net Interest Margin | 5.17% | 2.93% | 3.56% | 4.07% | Beats 97% | 2 / 71 | | |
| Efficiency Ratio | 67.70% | 55.94% | 70.77% | 78.80% | Beats 56% | 32 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.08% | 0.27% | 0.97% | Beats 29% | 49 / 68 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.05% | Beats 15% | 59 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 12.43% | 11.18% | 13.77% | 20.34% | Beats 31% | 49 / 71 | | |
| Total Risk-Based Capital Ratio | 12.43% | 12.08% | 14.34% | 21.24% | Beats 31% | 49 / 71 | | |
| Equity / Assets | 13.32% | 8.41% | 10.74% | 13.32% | Beats 75% | 18 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 111.43% | 64.48% | 76.81% | 87.49% | 97th pctl | 2 / 68 | | |
| Loans / Assets | 86.04% | 55.33% | 65.58% | 72.51% | 94th pctl | 4 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |