Powhatan, VA · Cert 58857 · CSBH LLC
National charter · OCC · 3 branches
Q2 2026
Market Position · Richmond, VA · 2026 SOD (annual) · 0.5% share · #15 of 30 inst. · $0.3B of $60.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.56% | -1.40% | -1.01% | -1.00% | -1.07% | -1.35% | -0.48% | -0.39% | +61 bps | |
| Return on Equity | -13.26% | -12.27% | -8.33% | -7.95% | -8.30% | -10.33% | -3.77% | -3.46% | +449 bps | |
| Net Interest Margin | 2.98% | 2.62% | 3.23% | 3.33% | 3.51% | 3.44% | 4.10% | 3.78% | +45 bps | |
| Efficiency Ratio | 137.41% | 146.52% | 133.96% | 126.32% | 119.88% | 119.79% | 108.17% | 108.11% | -1,821 bps | |
| Non-Interest Burden | 4.16% | 3.91% | 4.37% | 4.29% | 4.30% | 4.19% | 4.43% | 4.08% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.27% | 33.78% | 52.16% | 72.74% | 44.99% | 26.40% | 30.35% | 63.09% | -965 bps | |
| Loan Growth (YoY) | 8.56% | 24.12% | 34.91% | 52.94% | 58.09% | 62.97% | 73.87% | 68.48% | +1,554 bps | |
| Deposit Growth (YoY) | 23.42% | 35.21% | 47.75% | 69.99% | 32.02% | 16.08% | 12.70% | 51.76% | -1,823 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.55% | 0.41% | 0.32% | 0.26% | 0.19% | 1.12% | 0.15% | -17 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.12% | 0.22% | 0.19% | 0.20% | 0.17% | 0.07% | 0.24% | +5 bps | |
| Allowance / Loans | 1.36% | 1.28% | 1.18% | 1.21% | 1.11% | 1.03% | 0.98% | 0.83% | -38 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.3x | 2.9x | 3.8x | 4.2x | 5.4x | 0.9x | 5.5x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.05% | 11.70% | 14.48% | 13.88% | 13.64% | 14.19% | 12.64% | 10.81% | -306 bps | |
| Total Risk-Based Capital | 11.05% | 11.70% | 14.48% | 13.88% | 13.64% | 14.19% | 12.64% | 10.81% | -306 bps | |
| Equity / Assets | 11.06% | 10.22% | 14.00% | 13.40% | 13.85% | 13.52% | 12.03% | 9.25% | -415 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.86% | 50.54% | 53.63% | 58.34% | 72.87% | 70.95% | 82.74% | 64.77% | +643 bps | |
| Liquid Assets / Assets | 18.09% | 32.41% | 36.15% | 27.21% | 21.67% | 30.84% | 13.54% | 28.66% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 312% | 373% | n/a | n/a | |