Community Savings Bank

Chicago, IL · Cert 28841 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

SI · FDIC · 2 branches

Q2 2026

$410.2MAssets

$236.6MLoans

$357.0MDeposits

$47.3MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 59% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
Widest gap: net interest margin trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 57).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.22%

Rank 55 of 57

Net Interest Margin

2.18%

Rank 55 of 57

Efficiency Ratio

110.48%

Rank 55 of 57

Equity / Assets

11.54%

Rank 30 of 57

Unfavorable gap of $10.1M · efficiency ratio beats 5% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-0.22%	0.51%	0.84%	1.19%	Beats 4%	55 / 57
Return on Equity	-1.88%	3.13%	7.76%	11.40%	Beats 9%	52 / 57
Net Interest Margin	2.18%	3.16%	3.63%	4.08%	Beats 4%	55 / 57
Efficiency Ratio	110.48%	59.57%	69.70%	81.06%	Beats 5%	55 / 57
Asset Quality
Nonperforming Loans / Loans	0.20%	0.06%	0.34%	1.78%	Beats 59%	24 / 56
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.01%	Beats 50%	29 / 56
Capital
Tier 1 Capital Ratio	13.50%	12.24%	16.06%	19.69%	Beats 39%	35 / 57
Total Risk-Based Capital Ratio	13.50%	12.54%	16.50%	20.95%	Beats 37%	36 / 57
Equity / Assets	11.54%	9.37%	11.56%	15.00%	Beats 47%	30 / 57
Liquidity & Funding
Loans / Deposits	66.29%	66.29%	85.59%	95.16%	25th pctl	43 / 57
Loans / Assets	57.69%	57.07%	71.07%	78.13%	26th pctl	42 / 57
Brokered Deposits / Deposits	n/a	Not reported for this institution