Community Savings Bank: how it compares with its peers
Against 51 OH banks with half to twice its assets, Community Savings Bank's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $5.6M peer median). Its weakest relative measure is return on assets (0.45% vs. 0.79%).
| Measure | Community Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.45% | 0.79% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 3.70% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.34% | 76.53% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $5.6M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.72% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 84.34% is above the 76.53% 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
- Woodsfield Savings Bank Woodsfield, OH · $123M
- Adelphi Bank Columbus, OH · $124M
- The National Bank of Adams County of West Union West Union, OH · $115M
- The Hamler State Bank Hamler, OH · $125M
- Spring Valley Bank Wyoming, OH · $114M
- The Peoples Savings and Loan Company West Liberty, OH · $110M
Questions about Community Savings Bank
How big is Community Savings Bank?
Community Savings Bank, established in 1889, is headquartered in Bethel, OH. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community Savings Bank's return on assets?
0.45% annualized in Q2 2026, against a 0.79% median for 51 OH banks with half to twice its assets, ahead of 20% of them.
What is Community Savings Bank's efficiency ratio?
84.34% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 76.53%, and lower is better.
Is Community Savings Bank growing its loans?
Net loans shrank 3.5% over the year to Q2 2026, while deposits grew 12.9%.
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.