CSB Bank
Mid/Small Private · NSE CSBBANK · Market cap ₹5,566
Latest FY FY2026
Loan growth
26.5%
Deposit growth
20.0%
NIM
3.7%
20th pctile
ROA
1.2%
ROE
14.1%
Gross NPA
1.8%
40th pctile
P/B
1.26x
50th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 26.5% | 17.7% | +8.8pp | — |
| Deposit growth | 20.0% | 13.4% | +6.7pp | — |
| CASA | 19.4% | 32.7% | -13.3pp | 0th |
| NIM | 3.7% | 3.6% | +0.1pp | 20th |
| ROA | 1.2% | 1.1% | +0.1pp | — |
| ROE | 14.1% | 12.4% | +1.7pp | — |
| Gross NPA | 1.8% | 1.9% | -0.1pp | 40th |
| Credit cost | 1.3% | 1.3% | -0.0pp | — |
| Cost/income | 64.5% | 55.1% | +9.4pp | — |
| CRAR | 20.0% | 18.9% | +1.1pp | — |
| P/B | 1.26x | 1.07x | +0.2pp | 50th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Fresh Slippages - Quarterly -29.5% YoY to 98.00 · abs(yoy)>=15%
- ▼CASA Ratio at 19.41 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▼CASA Ratio -17.4% YoY to 19.41 · abs(yoy)>=15%
- ▲Net NPA at 0.39 — 10th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Net NPA -40.9% YoY to 0.39 · abs(yoy)>=15%
- ▼Capital to Risks Assets Ratio (CRAR) decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +12.4pp vs listed-bank aggregate (share 0.18%, +0.02pp 1Y) · |bank growth - system proxy growth| >= 5pp
- ▲Deposits growing +10.1pp vs listed-bank aggregate (share 0.17%, +0.01pp 1Y) · |bank growth - system proxy growth| >= 5pp