Community Savings: how it compares with its peers
Against 64 OH banks with half to twice its assets, Community Savings's strongest measure in Q2 2026 is net interest margin (5.19% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.0M).
| Measure | Community Savings | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 0.88% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.19% | 3.65% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.50% | 72.40% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.0M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 110.07% | 81.81% | Context |
What it means for lending operations
Its efficiency ratio of 67.50% is better than the 72.40% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Fort Jennings State Bank Fort Jennings, OH · $286M
- First Federal Bank of Ohio Galion, OH · $283M
- Peoples State Bank New Lexington, OH · $286M
- Fairfield Federal Savings and Loan Association of Lancaster Lancaster, OH · $281M
- Somerville Bank Eaton, OH · $291M
- First Bank of Ohio Tiffin, OH · $278M
Questions about Community Savings
How big is Community Savings?
Community Savings, established in 1885, is headquartered in Caldwell, OH. It reported $285M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Savings's return on assets?
1.35% annualized in Q2 2026, against a 0.88% median for 64 OH banks with half to twice its assets, ahead of 81% of them.
What is Community Savings's efficiency ratio?
67.50% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 72.40%, and lower is better.
Is Community Savings growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits shrank 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.