CFSBANK: how it compares with its peers
Against 43 PA banks with half to twice its assets, CFSBANK's strongest measure in Q2 2026 is assets per employee ($7.2M vs. a $7.8M peer median). Its weakest relative measure is net interest margin (2.20% vs. 3.44%).
| Measure | CFSBANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.21% | 1.09% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.20% | 3.44% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.40% | 64.10% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.8M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.07% | 83.13% | Context |
What it means for lending operations
Its efficiency ratio of 90.40% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Resource Bank Exton, PA · $841M
- Asian Bank Philadelphia, PA · $686M
- InFirst Bank Indiana, PA · $683M
- PS Bank Wyalusing, PA · $675M
- New Tripoli Bank New Tripoli, PA · $674M
- Pennian Bank Mifflintown, PA · $668M
Questions about CFSBANK
How big is CFSBANK?
CFSBANK, established in 1935, is headquartered in Charleroi, PA. It reported $773M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is CFSBANK's return on assets?
0.21% annualized in Q2 2026, against a 1.09% median for 43 PA banks with half to twice its assets, ahead of 2% of them.
What is CFSBANK's efficiency ratio?
90.40% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is CFSBANK growing its loans?
Net loans grew 10.3% over the year to Q2 2026, while deposits shrank 10.5%.
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 PA 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 Pennsylvania bank ranked.