Side-by-side · Q2 2026 data
Community State Bank vs Commercial Savings Bank
Metric by metric
| Measure | Community State Bank | Commercial Savings Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 62 |
| Capital cushion | 55 (stronger) | 34 |
| Loan quality | 59 | 67 (stronger) |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 49 |
| Problem-loan coverage | 82 (stronger) | 81 |
| Peer percentile | 37th | 22nd |
| Total assets | $345.8M | $348.8M |
| Deposits / shares | $295.5M | $292.7M |
| Capital ratio | 10.47% (stronger) | 8.44% |
| Problem loans | 1.24% | 0.99% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.42% | 2.04% (stronger) |
| Loans ÷ deposits | 52.9% (stronger) | 97.3% |
| Uninsured deposits | 28.6% | 27.2% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (68 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 4 and Commercial Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.