BlastPoint's Banking Scorecard
Community Savings Bank
Micro
Specialty: Commercial
OH
FDIC cert 32286
Designations: ✓ Community bank ✓ Mutual
Bethel, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Community Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 37.33% above tier
- - Non-Interest-Bearing Deposit Share 16.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$110.1M
+18.7% YoY
-1.4% QoQ
|
-$107.4M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$92.5M
+20.8% YoY
-2.3% QoQ
|
-$46.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$82.7M
+13.5% YoY
-1.9% QoQ
|
-$100.9M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.39%
+195.7% YoY
-5.3% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.54%
+10.2% YoY
+0.8% QoQ
|
-0.31% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
85.49%
-32.7% YoY
+1.1% QoQ
|
+17.76% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.11%
-78.8% YoY
+1.4% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
111.86%
+6.5% YoY
-0.5% QoQ
|
+37.33% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.18%
+17.4% YoY
+22.6% QoQ
|
-16.21% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-78.5% YoY
+0.5% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
-22.8% YoY
+33.9% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
111.86%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.18%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Loans
Current: $92.5M · Tier avg: $139.2M
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
26
26th pctile
Total Assets
Current: $110.1M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $82.7M · Tier avg: $183.7M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
15
15th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.49% · Tier avg: 67.73%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.18% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.86% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.86% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.18% · Tier avg: 22.39%
13
13th pctile
Efficiency Ratio
Current: 85.49% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.08%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $82.7M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $110.1M · Tier avg: $217.5M
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
40
40th pctile
Total Loans
Current: $92.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%