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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Essington, PA · FDIC certificate #29231
COUNTY SAVINGS BANK is an FDIC-insured institution based in Essington, PA (FDIC certificate #29231). In its Q3 2026 Call Report it reported total assets of $87M, total deposits of $79M and net loans of $56M. Its primary federal regulator is OCC.
Plain-language readout
COUNTY SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $90M in Q2 2026 and were lowest at $87M in Q3 2026.
Total deposits were highest at $82M in Q2 2026 and lowest at $79M in Q3 2026.
Over the whole period total assets fell 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $87M | $79M | $56M | 0.24% | 2.93% | 3.48% |
| Q2 2026 | $90M | $82M | $55M | 0.17% | 2.16% | 3.40% |
| Q1 2026 | $90M | $82M | $54M | 0.18% | 2.22% | 3.36% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.4M | $15.7M | -$330K | -2.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $16.2M | $16.8M | -$543K | -3.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $55.5M | $53.8M | +$1.7M | +3.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.2M | $1.2M | -$9K | -0.7% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $2.1M | $2.2M | -$108K | -5.0% |
| Total assets | $90.4M | $89.6M | +$728K | +0.8% |
| Liabilities | ||||
| Total deposits | $82.2M | $81.5M | +$724K | +0.9% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $872K | $906K | -$34K | -3.8% |
| Total liabilities | $83.1M | $82.4M | +$690K | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $7.3M | $7.2M | +$38K | +0.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $7.3M | $7.2M | +$38K | +0.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $7.7M | $7.6M | +$54K | +0.7% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 19.43% | 19.73% | -0.30 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 19.43% | 19.73% | -0.30 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.11% | 1.09% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 20.55% | 20.82% | -0.27 pts | See points |
| Tier 1 leverage (approximate) | 8.08% | 8.17% | -0.08 pts | See points |
| Construction and land loans to total capital | 10.47% | 3.47% | +7.01 pts | See points |
| Commercial real estate to total capital | 80.11% | 78.60% | +1.51 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 | -15.52% | -15.72% | +0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $81.0M | $80.3M | +$739K | +0.9% |
| Non-core funding | $1.2M | $1.3M | -$15K | -1.2% |
| Loans to core deposits | 68.99% | 67.46% | +1.53 pts | See points |
| Loans to deposits | 67.95% | 66.42% | +1.52 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 24.84% | 25.77% | -0.93 pts | See points |
| Loans pledged, share of loans | 89.72% | 93.54% | -3.83 pts | See points |
| Volatile liabilities | $1.2M | $1.3M | -$15K | -1.2% |
| Earnings | ||||
| Earnings before provision, year to date | $111K | $43K | +$68K | +158.1% |
| Earnings before provision, single quarter | $68K | $43K | +$25K | +58.1% |
| Provision for credit losses, year to date | $6K | -$11K | +$17K | +154.5% |
| Yield and cost | ||||
| Yield on loans and leases | 5.04% | 4.96% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.65% | +0.04 pts | See points |
| Total interest income to average assets | 4.05% | 4.00% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.03% | 0.06% | -0.03 pts | See points |
| Cost of savings and money market deposits | 0.04% | 0.05% | -0.01 pts | See points |
| Cost of time deposits | 3.08% | 3.20% | -0.12 pts | See points |
| Total interest expense to average assets | 0.75% | 0.74% | +0.01 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 | $87M | $79M | $56M | 0.24% | 2.93% | 3.48% |
| 2026-06-30 | $90M | $82M | $55M | 0.17% | 2.16% | 3.40% |
| 2026-03-31 | $90M | $82M | $54M | 0.18% | 2.22% | 3.36% |
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 |
|---|---|---|---|---|
| PA | $88.3M | 0.02% | 135 | Continuing · -0.00 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.