CS Bank: how it compares with its peers
Against 28 AR banks with half to twice its assets, CS Bank's strongest measure in Q2 2026 is return on assets (2.09% vs. a 1.14% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.3M).
| Measure | CS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.09% | 1.14% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.94% | 3.91% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.42% | 61.65% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.3M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.22% | 82.97% | Context |
What it means for lending operations
Its efficiency ratio of 57.42% is better than the 61.65% 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
- Cross Bank Wynne, AR · $593M
- First State Bank Russellville, AR · $665M
- First National Bank of Eastern Arkansas Forrest City, AR · $589M
- Citizens' Bank & Trust Co. Van Buren, AR · $566M
- Fidelity Bank West Memphis, AR · $547M
- Union Bank Mena, AR · $710M
Questions about CS Bank
How big is CS Bank?
CS Bank, established in 1912, is headquartered in Eureka Springs, AR. It reported $628M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is CS Bank's return on assets?
2.09% annualized in Q2 2026, against a 1.14% median for 28 AR banks with half to twice its assets, ahead of 96% of them.
What is CS Bank's efficiency ratio?
57.42% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 61.65%, and lower is better.
Is CS Bank growing its loans?
Net loans grew 9.4% over the year to Q2 2026, while deposits grew 3.6%.
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 AR 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 Arkansas bank ranked.