Cfsbank
Charleroi, PA · Cert 29672 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Charleroi Financial MHC
SI · FDIC · 10 branches
Q2 2026
$773.4MAssets
$497.2MLoans
$642.2MDeposits
$75.4MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of banks under $1B in assets operating in a single state (rank 137 of 746).
- Widest gap: net interest margin trails 97% of banks under $1B in assets operating in a single state (rank 725 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.21%
Rank 692 of 746
Net Interest Margin
2.02%
Rank 725 of 746
Efficiency Ratio
90.40%
Rank 689 of 746
Equity / Assets
9.75%
Rank 458 of 746
Non-interest income vs. expense
Unfavorable gap of $13.4M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.72% | 1.06% | 1.45% | Beats 7% | 692 / 746 | |
| Return on Equity | 2.16% | 6.74% | 10.51% | 13.63% | Beats 9% | 679 / 746 | |
| Net Interest Margin | 2.02% | 3.17% | 3.68% | 4.16% | Beats 3% | 725 / 746 | |
| Efficiency Ratio | 90.40% | 55.74% | 64.58% | 75.47% | Beats 8% | 689 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.07% | Beats 63% | 274 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 335 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.55% | 11.55% | 13.75% | 17.60% | Beats 82% | 137 / 746 | |
| Total Risk-Based Capital Ratio | 20.10% | 11.71% | 14.33% | 18.43% | Beats 81% | 142 / 746 | |
| Equity / Assets | 9.75% | 8.90% | 10.51% | 13.06% | Beats 39% | 458 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 77.43% | 61.31% | 78.27% | 90.78% | 49th pctl | 381 / 746 | |
| Loans / Assets | 64.30% | 53.60% | 66.97% | 76.08% | 43rd pctl | 423 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |