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Commercial Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 231

Carroll, IA

2 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +14.6% year over year ($292.7M on the books).
  • Delinquency rate 1.00%.
  • Return on assets 2.04%.
  • Efficiency ratio 40.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.32% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Commercial Savings Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 29.3% in tier
  • + Efficiency Ratio 23.83% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.42% below tier average
  • - Delinquency Rate 0.08% above tier average
Get updates when Commercial Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $348.8M
+11.9% YoY +4.6% QoQ
-$37.7M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $284.9M
+17.4% YoY +4.3% QoQ
+$26.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $292.7M
+14.6% YoY +5.4% QoQ
-$34.0M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 2.04%
+23.5% YoY +4.1% QoQ
+0.72% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 12.4% in tier
Net Interest Margin ? 3.57%
+16.6% YoY +3.8% QoQ
-0.42% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 40.64%
-13.1% YoY +3.5% QoQ
-23.83% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 4.6% in tier
Delinquency Rate ? 1.00%
+293.2% YoY +184.3% QoQ
+0.08% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 97.32%
+2.5% YoY -1.1% QoQ
+19.37% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 13.2% in tier
Non-Interest-Bearing Deposit Share ? 18.75%
+9.8% YoY +13.0% QoQ
-3.28% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.82%
+312.6% YoY +183.3% QoQ
+0.15% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 11.62%
-5.3% YoY -3.3% QoQ
-4.29% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.13%
-27.9% YoY +83.3% QoQ
-0.43% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 18.7%
+1.7pp YoY
+2.2pp QoQ
 -3.4pp 22.1% 17.8% 22.2% 39%
Brokered Deposits 8.3%
+3.5pp YoY
+1.8pp QoQ
 +0.4pp 7.9% 6.0% 8.5% 69%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 9.2%
-2.0pp YoY
-0.1pp QoQ
 -2.3pp 11.6% 12.8% 12.5% 48%
CRE 23.1%
-0.8pp YoY
-0.7pp QoQ
 -16.4pp 39.5% 28.3% 41.4% 23%
1-4 Family 50.1%
+1.6pp YoY
-0.1pp QoQ
 +17.4pp 32.6% 23.0% 31.3% 82%
Consumer 2.2%
-0.5pp YoY
-0.2pp QoQ
 -1.9pp 4.1% 2.9% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 11.6%
-0.7pp YoY
-0.4pp QoQ
 -7.2pp 18.8% 15.4% 19.7% 13%
Leverage Ratio 8.4%
+0.1pp YoY
-0.2pp QoQ
 -3.7pp 12.2% 12.4% 12.6% 5%
Total Capital Ratio 12.7%
-0.6pp YoY
-0.4pp QoQ
 -7.3pp 19.9% 16.5% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 26
+1 (+4.0%) YoY
+1 (+4.0%) QoQ
 -33 58 64 482 21%
Assets per Employee ($) $13.4M
+7.6% YoY
+0.6% QoQ
 +$5.9M $7.5M $8.9M $8.8M 95%
Branch Count 2
0 YoY
0 QoQ
 -3 4 5 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 1.0%
+0.8pp YoY
+0.7pp QoQ
 +0.7pp 0.3% 0.4% 0.4% 91%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 4%
Allowance Coverage 0.91x
-75.0% YoY
-65.5% QoQ
 -23.25x 24.15x 18.97x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 24.8%
+2.9pp YoY
+1.3pp QoQ
 +12.6pp 12.2% 12.8% 11.6% 96%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 72%
Net Income ($, YTD) $3.5M
+32.1% YoY
— QoQ
 +$914K $2.6M $4.0M $40.4M 75%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#195 of 661 • Top 29.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.04%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

122
Efficiency Ratio
profitability
Value: 40.64%
Peer Median: 64.48%
#122 of 2643 Top 4.6% in $100M-$1B
328
Return on Assets
profitability
Value: 2.04%
Peer Median: 1.32%
#328 of 2643 Top 12.4% in $100M-$1B

Top Weaknesses (1 metrics)

2295
Loan-to-Deposit Ratio
liquidity
Value: 97.32%
Peer Median: 77.95%
#2295 of 2643 Bottom 13.2% in $100M-$1B
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