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County Savings Bank

Essington, PA · Cert 29231 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

State savings bank · OCC · 3 branches

Q2 2026

$90.4MAssets
$55.9MLoans
$82.2MDeposits
$7.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 27).
  • Widest gap: return on equity trails 90% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 28 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.17%

Rank 28 of 31

Net Interest Margin

3.26%

Rank 16 of 31

Efficiency Ratio

92.84%

Rank 28 of 31

Equity / Assets

8.02%

Rank 26 of 31

Non-interest income vs. expense

$0.2M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 13% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 92.84%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.17%0.63%0.93%2.39%Beats 10%28 / 31
Return on Equity2.15%4.15%7.07%14.29%Beats 10%28 / 31
Net Interest Margin3.26%2.72%3.26%3.84%Beats 48%16 / 31
Efficiency Ratio92.84%49.04%63.83%80.34%Beats 13%28 / 31
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%1.22%Beats 100%7 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio19.43%13.01%19.43%42.39%Beats 48%16 / 31
Total Risk-Based Capital Ratio20.55%13.95%20.55%43.38%Beats 48%16 / 31
Equity / Assets8.02%9.21%12.36%21.28%Beats 16%26 / 31
Liquidity & Funding
Loans / Deposits67.95%52.41%83.15%99.86%32nd pctl21 / 31
Loans / Assets61.84%37.80%67.87%79.23%35th pctl20 / 31
Brokered Deposits / Depositsn/aNot reported for this institution