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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

Non-interest income vs. expense

$0.6M$10.7MINCOMEEXPENSE
Unfavorable gap of $10.1M · efficiency ratio beats 5% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 110.48%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
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 Margin2.18%3.16%3.63%4.08%Beats 4%55 / 57
Efficiency Ratio110.48%59.57%69.70%81.06%Beats 5%55 / 57
Asset Quality
Nonperforming Loans / Loans0.20%0.06%0.34%1.78%Beats 59%24 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 50%29 / 56
Capital
Tier 1 Capital Ratio13.50%12.24%16.06%19.69%Beats 39%35 / 57
Total Risk-Based Capital Ratio13.50%12.54%16.50%20.95%Beats 37%36 / 57
Equity / Assets11.54%9.37%11.56%15.00%Beats 47%30 / 57
Liquidity & Funding
Loans / Deposits66.29%66.29%85.59%95.16%25th pctl43 / 57
Loans / Assets57.69%57.07%71.07%78.13%26th pctl42 / 57
Brokered Deposits / Depositsn/aNot reported for this institution