BlastPoint's Banking Scorecard

Community Savings Bank

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

Designations: ✓ Mutual

Bethel, OH

2 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in 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 0.78% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 0.95% below tier average
- Efficiency Ratio 24.34% above tier average
- Loan-to-Deposit Ratio 33.03% above tier average
- Non-Interest-Bearing Deposit Share 16.53% below tier average
- Net Interest Margin 0.43% below tier average

Get updates when Community Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$111.1M +20.8% YoY +0.8% QoQ	-$275.0M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 3.0% in tier
Total Loans ?	$91.6M +18.3% YoY -1.1% QoQ	-$164.1M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$83.5M +15.3% YoY +0.9% QoQ	-$244.5M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 1.2% in tier
Return on Assets ?	0.31% +27.4% YoY -25.7% QoQ	-0.95%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 8.3% in tier
Net Interest Margin ?	3.50% +5.3% YoY -1.4% QoQ	-0.43%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	89.62% -3.0% YoY +5.1% QoQ	+24.34%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 6.8% in tier
Delinquency Rate ?	0.10% -54.9% YoY -7.7% QoQ	-0.78%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	109.67% +2.6% YoY -2.0% QoQ	+33.03%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 2.9% in tier
Non-Interest-Bearing Deposit Share ?	5.49% +4.7% YoY -11.2% QoQ	-16.53%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 4.1% in tier
Nonperforming Asset Ratio ?	0.09% -55.8% YoY -9.4% QoQ	-0.55%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	14.56% -13.6% YoY +1.5% QoQ	-1.27%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.04% -17.2% YoY -77.0% QoQ	-0.24%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Bottom 10.8% in tier

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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 (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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2633

Total Deposits

size

Value: $83.50M

Peer Median: $327.97M

#2633 of 2664 Bottom 1.2% in $100M-$1B

2587

Loan-to-Deposit Ratio

liquidity

Value: 109.67%

Peer Median: 76.64%

#2587 of 2664 Bottom 2.9% in $100M-$1B

2584

Total Assets

size

Value: $111.07M

Peer Median: $386.08M

#2584 of 2664 Bottom 3.0% in $100M-$1B

2557

Non-Interest-Bearing Deposit Share

funding

Value: 5.49%

Peer Median: 22.02%

#2557 of 2664 Bottom 4.1% in $100M-$1B

2485

Efficiency Ratio

profitability

Value: 89.62%

Peer Median: 65.29%

#2485 of 2664 Bottom 6.8% in $100M-$1B

2444

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.27%

#2444 of 2664 Bottom 8.3% in $100M-$1B

2377

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2377 of 2664 Bottom 10.8% in $100M-$1B

2227

Total Loans

size

Value: $91.58M

Peer Median: $255.72M

#2227 of 2664 Bottom 16.4% in $100M-$1B