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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

$5.1M$18.5MINCOMEEXPENSE
Unfavorable gap of $13.4M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state
Bank 90.40%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.21%0.72%1.06%1.45%Beats 7%692 / 746
Return on Equity2.16%6.74%10.51%13.63%Beats 9%679 / 746
Net Interest Margin2.02%3.17%3.68%4.16%Beats 3%725 / 746
Efficiency Ratio90.40%55.74%64.58%75.47%Beats 8%689 / 746
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.42%1.07%Beats 63%274 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 55%335 / 743
Capital
Tier 1 Capital Ratio19.55%11.55%13.75%17.60%Beats 82%137 / 746
Total Risk-Based Capital Ratio20.10%11.71%14.33%18.43%Beats 81%142 / 746
Equity / Assets9.75%8.90%10.51%13.06%Beats 39%458 / 746
Liquidity & Funding
Loans / Deposits77.43%61.31%78.27%90.78%49th pctl381 / 746
Loans / Assets64.30%53.60%66.97%76.08%43rd pctl423 / 746
Brokered Deposits / Depositsn/aNot reported for this institution