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Community Savings Bank

Edgewood, IA · Cert 14633 · Community Financial Corp.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Savings Bank

Edgewood, IA · Cert 14633 · Community Financial Corp.

State charter, non-member · FDIC · 12 branches

Q2 2026

$613.6MAssets
$425.1MLoans
$501.4MDeposits
$55.1MEquity
Loan mix
86%RE $333.2M12%C&I $46.7M2%Consumer $8.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $409.5M18%Noninterest $92.0MQ3 2024Q2 2026

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 1.8% share · #13 of 35 inst. · $0.2B of $8.8B

28.7% Delaware
2.2% Linn
2.8% Clayton
0.7% Dubuque

Executive Summary

  • Earnings: ROA of 0.83%, up 9 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.63% of loans (-28 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 10.05%, up 24 bps from a year ago.
  • Funding: loans stand at 84.78% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+34 bps YoY

Efficiency Ratio (YTD, annualized)

66.38%-416 bps YoY

Tier 1 Leverage Ratio

10.05%+24 bps YoY

NIM

4.81%Q2 ’245.07%Q2 ’255.18%Q2 ’26+10%+11%

Non-interest income vs. expense

2.51%Q2 ’242.41%Q2 ’252.46%Q2 ’26-3%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.60%0.67%0.74%0.76%0.77%0.82%0.83%+9 bps
Return on Equity6.83%7.59%8.79%9.49%9.47%9.51%9.52%9.47%-2 bps
Net Interest Margin2.71%2.71%2.88%2.97%3.00%3.03%3.38%3.31%+34 bps
Efficiency Ratio77.13%75.56%72.01%70.54%70.39%69.98%62.20%66.38%-416 bps
Non-Interest Burden1.98%1.93%1.95%1.97%1.98%1.99%1.92%2.04%+8 bps
Growth
Asset Growth (YoY)5.05%3.24%3.33%4.87%2.33%1.42%1.42%1.26%-360 bps
Loan Growth (YoY)5.68%6.35%5.32%5.66%3.76%-3.36%-5.34%-3.97%-963 bps
Deposit Growth (YoY)1.52%3.35%1.42%1.68%0.57%5.61%4.59%6.57%+489 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.30%0.95%0.91%0.99%1.48%1.03%0.63%-28 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%0.00%0.01%0.18%+18 bps
Allowance / Loans1.09%1.03%1.05%1.06%1.09%1.14%1.29%1.21%+15 bps
Allowance Coverage of NPLs4.3x3.4x1.1x1.2x1.1x0.8x1.2x1.9x+0.8x
Capital
Tier 1 Leverage Ratio9.83%9.64%9.55%9.81%9.87%9.82%9.92%10.05%+24 bps
Total Risk-Based Capital13.59%12.97%13.13%13.52%13.85%13.88%14.55%14.80%+129 bps
Equity / Assets8.42%7.48%7.81%8.01%8.75%8.64%8.62%8.98%+97 bps
Liquidity & Funding
Loans / Deposits92.68%95.94%94.81%94.09%95.61%87.79%85.82%84.78%-931 bps
Liquid Assets / Assets1.47%1.79%1.28%1.96%1.19%2.61%3.22%1.72%-24 bps
CRE / Total Capitaln/an/an/an/a288%283%271%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Savings Bank

Edgewood, IA · Cert 14633 · Peer group: banks under $1B in assets in IA (n=134-135) · Community Financial Corp.

State charter, non-member · FDIC · 12 branches

Q2 2026

$613.6MAssets
$425.1MLoans
$501.4MDeposits
$55.1MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 59% of banks under $1B in assets in IA (rank 55 of 135).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in IA (rank 116 of 134).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.83%

Rank 110 of 135

Net Interest Margin

3.31%

Rank 79 of 135

Efficiency Ratio

66.38%

Rank 109 of 135

Equity / Assets

8.98%

Rank 115 of 135

Non-interest income vs. expense

$2.6M$15.4MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 20% of banks under $1B in assets in IA
Bank 66.38%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.83%0.92%1.19%1.47%Beats 19%110 / 135
Return on Equity9.26%7.99%10.26%13.14%Beats 38%84 / 135
Net Interest Margin3.31%2.95%3.41%3.73%Beats 41%79 / 135
Efficiency Ratio66.38%50.61%57.35%63.29%Beats 20%109 / 135
Asset Quality
Nonperforming Loans / Loans0.63%0.03%0.51%1.26%Beats 46%74 / 134
Net Charge-Offs / Loans0.09%n/a0.01%0.03%Beats 14%116 / 134
Capital
Tier 1 Capital Ratio13.66%11.23%13.31%15.45%Beats 56%60 / 135
Total Risk-Based Capital Ratio14.80%11.61%14.06%16.47%Beats 59%55 / 135
Equity / Assets8.98%9.87%11.05%13.07%Beats 15%115 / 135
Liquidity & Funding
Loans / Deposits84.78%68.54%81.55%91.24%60th pctl54 / 134
Loans / Assets69.28%57.61%68.06%76.23%55th pctl61 / 135
Brokered Deposits / Depositsn/aNot reported for this institution