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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Caldwell, OH · FDIC certificate #27969
COMMUNITY SAVINGS is an FDIC-insured institution based in Caldwell, OH (FDIC certificate #27969). In its Q3 2026 Call Report it reported total assets of $284M, total deposits of $227M and net loans of $246M. Its primary federal regulator is OCC.
Plain-language readout
COMMUNITY SAVINGS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $301M in Q1 2026 and were lowest at $284M in Q3 2026.
Total deposits were highest at $247M in Q1 2026 and lowest at $220M in Q2 2026.
Over the whole period total assets fell 5.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $284M | $227M | $246M | 1.33% | 10.36% | 5.21% |
| Q2 2026 | $285M | $220M | $242M | 1.35% | 10.74% | 5.19% |
| Q1 2026 | $301M | $247M | $246M | 1.39% | 11.40% | 5.02% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.9M | $27.6M | -$12.7M | -46.1% |
| Federal funds sold | $891K | $349K | +$542K | +155.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $17.2M | $17.0M | +$184K | +1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $7.9M | $12.7M | -$4.8M | -37.9% |
| Net loans and leases (after allowance) | $234.0M | $233.6M | +$473K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $933K | $995K | -$62K | -6.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.6M | $2.6M | -$8K | -0.3% |
| All other assets | $6.2M | $5.8M | +$395K | +6.8% |
| Total assets | $284.7M | $300.7M | -$16.0M | -5.3% |
| Liabilities | ||||
| Total deposits | $219.8M | $246.6M | -$26.8M | -10.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $25.0M | $15.0M | +$10.0M | +66.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.0M | $2.1M | -$132K | -6.3% |
| Total liabilities | $246.8M | $263.7M | -$16.9M | -6.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $4K | $4K | $0K | 0.0% |
| Surplus | $33.7M | $33.7M | $0K | 0.0% |
| Retained earnings | $4.3M | $3.3M | +$946K | +28.6% |
| Accumulated other comprehensive income | -$55K | $4K | -$59K | -1475.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $37.9M | $37.0M | +$887K | +2.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.2M | $1.4M | +$742K | +52.3% |
| Adjusted nonperforming assets | $2.2M | $1.4M | +$742K | +52.3% |
| Tangible equity plus allowance | $38.3M | $37.4M | +$875K | +2.3% |
| Texas ratio (gross) | 5.65% | 3.80% | +1.85 pts | See points |
| Texas ratio (adjusted) | 5.65% | 3.80% | +1.85 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.43% | 11.93% | +0.50 pts | See points |
| Construction and land loans to total capital | 1.28% | 1.34% | -0.07 pts | See points |
| Commercial real estate to total capital | 1.78% | 1.87% | -0.09 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.20% | 0.01% | -0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $194.7M | $210.5M | -$15.8M | -7.5% |
| Non-core funding | $50.1M | $51.1M | -$983K | -1.9% |
| Loans to core deposits | 121.73% | 112.39% | +9.35 pts | See points |
| Loans to deposits | 107.84% | 95.95% | +11.89 pts | See points |
| Brokered deposits share of deposits | 0.46% | 4.06% | -3.60 pts | See points |
| Pledged securities share of securities | 57.71% | 64.19% | -6.48 pts | See points |
| Loans pledged, share of loans | 90.09% | 89.96% | +0.13 pts | See points |
| Volatile liabilities | $56.9M | $62.1M | -$5.2M | -8.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.5M | +$1.3M | +87.5% |
| Earnings before provision, single quarter | $1.3M | $1.5M | -$186K | -12.5% |
| Provision for credit losses, year to date | $50K | $50K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 8.56% | 8.29% | +0.26 pts | See points |
| Yield on interest-bearing balances due from banks | 4.17% | 3.87% | +0.30 pts | See points |
| Total interest income to average assets | 7.82% | 7.70% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.22% | 0.24% | -0.02 pts | See points |
| Cost of savings and money market deposits | 3.15% | 3.02% | +0.13 pts | See points |
| Cost of time deposits | 3.98% | 4.10% | -0.12 pts | See points |
| Total interest expense to average assets | 2.63% | 2.72% | -0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $284M | $227M | $246M | 1.33% | 10.36% | 5.21% |
| 2026-06-30 | $285M | $220M | $242M | 1.35% | 10.74% | 5.19% |
| 2026-03-31 | $301M | $247M | $246M | 1.39% | 11.40% | 5.02% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $220.4M | 0.04% | 100 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.