# COMMUNITY SAVINGS BANK
BETHEL, OH · FDIC certificate 32286 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $119.6M | |
| Deposits | $95.0M | |
| Loans and leases | $92.3M | |
| Total equity | $16.0M | |
| Loans / deposits | 96.72% (p88 of band) | 73.59% |
| Liquid assets / assets | 17.70% (p17 of band) | |
| Uninsured deposits / deposits | 17.71% (p42 of band) | 19.81% |
| Brokered deposits | 5.12% | |
| Wholesale funding | 11.31% (p86 of band) | |
| FHLB advances / assets | 6.19% | |
| Tier 1 leverage | 14.76% (p76 of band) | 11.76% |
| Unrealized securities loss / equity | -0.92% (p78 of band) | -6.57% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 0.45% (p16 of band) | 1.17% |
| Net interest margin | 3.46% (p27 of band) | 3.93% |
| Efficiency ratio | 84.34% (p84 of band) | |
| Noncurrent loans | 0.10% (p34 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 487.78% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 16.51% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.9% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 0 |  | losing money, reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 4 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2014-09 | 1 |  | loans exceed deposits, deposits shrinking, assets shrinking |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 | uninsured deposits leaving | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | loans exceed deposits |  |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 0 |  | uninsured deposits leaving |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | loans exceed deposits |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | liquid assets <10% |  |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 1 |  | liquid assets <10%, deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, expense ratio p90 |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | losing money |  |
| 2024-12 | 5 | reserve under noncurrent |  |
| 2025-03 | 1 |  | capital falling, expense ratio p90, losing money, reserve under noncurrent |
| 2025-06 | 2 | wholesale funding >15% |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 0 |  | loans exceed deposits, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-14 [Community Savings Bank Helps Fight Identity Theft with Shred-a-Thon - lawndalenews.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbE5WOFNFeEhfaHkzM2ZneGZZbG5BeFJaeFBlY1JYVFRfRllpT0gwd01DYWY2andVa1RSeDNLdUUtN0luWk53a3BfTThlempuZ2xzVFNoTjR2TWdXWnJhMW5LNTBSZVRjdmlLdTNfUXNyaTg3THEtWGZEc3MyQXB6WXlpQlFjUlJQdE91VkU5TFQ4N2F4S0d0Zld4U2t0dDd6ZDFRV2ltVQ?oc=5) · lawndalenews.com
- 2025-12-04 [Community Savings Bank to open new downtown Cedar Rapids location Dec. 9 - Corridor Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSlFiX0VHN2ZYT3VKdU1tNVhnaGNhRnhXWTlmYmFsYWlHaXc0VTFNQUVrTjdMaGdpaW1aRkRwc0VoS0xqcmZ3V0RldmRuUGtqTlFmelJXMVZHMUpncUJ5blJJcHFod3FGRnNpUzJSaG8wSkxQdXdUNG5QbHRlQzJGQ0doVFk1Tks2b0tVczNZaGFjMENiM0xWcXFnZEhSa3BXZFJF?oc=5) · Corridor Business Journal
- 2025-10-30 [Community Savings Bank Opening Peosta Location - KMCH.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMF9JYnVoaldkZ29ubHhVaXl4RjNLY212Nm51amd3d29kM0pMWEVRcHdqMFpTQzhKM2t3UVdrbmtoLVJaeHFpUlhYdG1xRkg4S1RReHlWV0ZPMDh1a0I2SWxad0xyajRQQlJOWXJmS05nRmt2V3ladTFGd3B0MXhCUQ?oc=5) · KMCH.com
- 2026-02-18 [Pawtucket launches emergency fund with starter grant from Bristol County Savings Bank - The Valley Breeze](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOSnZTVDZERlpicVpJVDhOUDdDOV9lVWJ3Tk1mSnhwRV9VOUVjMUFtaDVWTDV5RFJrWmJBakZMdlNKX0llQTRDd3dOakZPMUZwWENEYW5tU2x2MGM0ZXRrUkJGWUwyVFNEYnBMbDlOOE05Rms0dHZ0dmNuQzB3M25qU3BDWk4xZ0NrMmtWYnV6Q0FQSzhtTUhzcm12NmdpRWhhcnlXcEJnazdNTElvbXJEam9yYTNncXdzTldBZ1hhbWkzYVl5TUZ3VzcyYUFXQmNIbnlkLU5DSEJmU1ZlRXppRXZjOXFaM0xUcTktb1V5QXAzVFVSYk5kSG5ocFRyU0VMZnRPbUFWRXpId3c?oc=5) · The Valley Breeze
- 2025-10-30 [Community Savings Bank plans Peosta branch - Corridor Business Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTE9DbXpuT1pRdGhadEozdFBwbzItc2JHaEY2MVhlb1R4V2dHVUUzcUtVRWRBOXIydUhyTzNuUGctdC1fWFR2TnJGd2ZFaHJHX3NXSG9vMXBDRFR3dVFZeUFaUWRyTXFYc2VDcloyVDNjZWI4NlNmX011anhXeVA?oc=5) · Corridor Business Journal
- 2025-12-10 [Surprise Squad Official Rules - kcrg.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1BWEF5clJ4NDNWTHAyTmhPRnJaRjdQZmNQM2t3bGdhaFRjUWNNRjdSSFJIVlhhLWFJUk40NHYzOUh0anBFdDFCUEFjNVc3N01WbXlUMnprRlNLMzBjNnBSUVZYTmNMYXBQTHZ2SHFSQdIBgwFBVV95cUxONmVkNUwyZUsyMFVDM1lfV2h1LTJIQkVheUk5WHNNR3dBb3Azak1IMEFvQkMzSUZRVmRoSDBMODZYLVdxRkxwdkZLVXVjNzRrV1p5bVFTdTVrcFdEZVhwNjFyRUZBelViT1FpUEtOVkFmWjJHY0Z5NW41Ul94TE4yYmJvQQ?oc=5) · kcrg.com
- 2017-02-03 [Community Savings and Home Building and Loan in Ohio to Merge - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNMlFpRXZTUjNwLUtQQUY2LTUxTFMzTGVpVlVKS0hESUc1azJFY0lPRWlqMzlUR1p6Y21HQnhCak1pYU1IWWV3cnlyaWdfbjFiRUZyV1d2R2Z1SWJ5U1gyeGxlNnpGcnZaa09SbUJsVXJWSDhnOHNZRkN0REFfZnQwOWJLTDc0NVMzY2gyZ09JcnprMGl3RXZ3Y05XdHE2Zw?oc=5) · American Banker
- 2026-01-05 [Vaske Joins Manchester’s Community Savings Bank Team - KMCH.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQaUxRQUxreVZiWFZhcktxMWp6aV9sQjJ0dWJOVVdvNVJIS0lnUWZ6Tk43Nkx4azl1UVVSZ2RYODAxQndjMXpXdlozc1hWbjcwUnJyUWtlR3pQUjdvZXg1bUIzcTdLUElKdFRobG8taEoybF9HUFlHaFZtREVRaS1uMGZLWG1lblk?oc=5) · KMCH.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32286 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "32286", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide