BlastPoint's Banking Scorecard

Community Savings Bank

$100M-$1B Specialty: Commercial OH FDIC cert 32286

Designations: ✓ Mutual

Bethel, OH

2 branches across OH

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 96 in OH.
Deposits +12.9% year over year ($95.0M on the books).
Delinquency rate 0.10%.
Return on assets 0.45%.
Efficiency ratio 84.34% vs a 64.48% peer average.
Loan-to-deposit ratio 96.72% 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 96 in OH

View $100M-$1B leaderboard (OH) →

Community Savings Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.5% in tier
- Efficiency Drag: Bottom 31.9% in tier
- Non-Interest Income / Assets 0.50% below tier average
- ROA 0.87% below tier average
- Net Interest Margin 0.53% below tier average

Get updates when Community Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$119.6M +6.7% YoY +7.7% QoQ	-$266.9M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Bottom 5.4% in tier
Total Loans ?	$91.9M -3.5% YoY +0.3% QoQ	-$166.5M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	15%
Total Deposits ?	$95.0M +12.9% YoY +13.7% QoQ	-$231.8M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Bottom 4.2% in tier
Return on Assets ?	0.45% +1.8% YoY +43.2% QoQ	-0.87%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Bottom 11.0% in tier
Net Interest Margin ?	3.46% +0.6% YoY -1.4% QoQ	-0.53%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	84.34% +0.0% YoY -5.9% QoQ	+19.87%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Bottom 9.7% in tier
Delinquency Rate ?	0.10% -45.8% YoY -5.6% QoQ	-0.82%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	96.72% -14.5% YoY -11.8% QoQ	+18.77%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ?	18.49% +268.4% YoY +236.8% QoQ	-3.55%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	0.08% -51.0% YoY -12.0% QoQ	-0.59%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	14.76% -1.3% YoY +1.4% QoQ	-1.14%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.06% -16.2% YoY +80.9% QoQ	-0.50%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	Bottom 8.3% in tier

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 (OH)	National Avg	Tier Percentile
Noninterest-Bearing	18.5% +13.5pp YoY +13.0pp QoQ	-3.7pp	22.1%	18.8%	22.2%	38%
Brokered Deposits	6.5% -3.1pp YoY -3.2pp QoQ	-1.4pp	7.9%	7.7%	8.5%	60%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	7.8% -0.9pp YoY -0.1pp QoQ	-3.7pp	11.6%	10.2%	12.5%	39%
CRE	26.7% +1.9pp YoY -0.1pp QoQ	-12.9pp	39.5%	34.2%	41.4%	29%
1-4 Family	49.2% +1.0pp YoY +0.6pp QoQ	+16.6pp	32.6%	50.0%	31.3%	81%
Consumer	16.8% -2.0pp YoY -0.4pp QoQ	+12.7pp	4.1%	4.7%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	14.8% -0.2pp YoY +0.2pp QoQ	+2.6pp	12.2%	12.9%	12.6%	86%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	15 -1 (-6.2%) YoY -2 (-11.8%) QoQ	-44	58	2,433	482	4%
Assets per Employee ($)	$8.0M +13.8% YoY +22.1% QoQ	+$457K	$7.5M	$7.6M	$8.8M	68%
Branch Count	2 0 YoY 0 QoQ	-3	4	81	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.6%	1.0%	18%
Allowance Coverage	4.88x +120.8% YoY +6.0% QoQ	-19.28x	24.15x	18.95x	20.23x	70%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	3.2% +0.4pp YoY +1.0pp QoQ	-9.0pp	12.2%	9.7%	11.6%	9%
Cost of Funds (YTD)	2.2% 0.0pp YoY -0.1pp QoQ	+0.5pp	1.7%	1.7%	1.7%	81%
Net Income ($, YTD)	$256,000 +16.9% YoY — QoQ	-$2.3M	$2.6M	$259.3M	$40.4M	6%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#53 of 691 • Bottom 7.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.72%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#116 of 361 • Bottom 31.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.34%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2533

Total Deposits

size

Value: $94.98M

Peer Median: $326.73M

#2533 of 2643 Bottom 4.2% in $100M-$1B

2500

Total Assets

size

Value: $119.64M

Peer Median: $386.57M

#2500 of 2643 Bottom 5.4% in $100M-$1B

2424

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2424 of 2643 Bottom 8.3% in $100M-$1B

2388

Efficiency Ratio

profitability

Value: 84.34%

Peer Median: 64.48%

#2388 of 2643 Bottom 9.7% in $100M-$1B

2354

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.32%

#2354 of 2643 Bottom 11.0% in $100M-$1B

2274

Loan-to-Deposit Ratio

liquidity

Value: 96.72%

Peer Median: 77.95%

#2274 of 2643 Bottom 14.0% in $100M-$1B

2235

Total Loans

size

Value: $91.87M

Peer Median: $258.35M

#2235 of 2643 Bottom 15.5% in $100M-$1B