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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 $8.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $409.5M18%Noninterest $92.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.76%0.77%0.82%0.83%+9 bps
Return on Equity9.49%9.47%9.51%9.52%9.47%-2 bps
Net Interest Margin2.97%3.00%3.03%3.38%3.31%+34 bps
Efficiency Ratio70.54%70.39%69.98%62.20%66.38%-416 bps
Non-Interest Burden1.97%1.98%1.99%1.92%2.04%+8 bps
Growth
Asset Growth (YoY)4.87%2.33%1.42%1.42%1.26%-360 bps
Loan Growth (YoY)5.66%3.76%-3.36%-5.34%-3.97%-963 bps
Deposit Growth (YoY)1.68%0.57%5.61%4.59%6.57%+489 bps
Asset Quality
Nonperforming Loans / Loans0.91%0.99%1.48%1.03%0.63%-28 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.01%0.18%+18 bps
Allowance / Loans1.06%1.09%1.14%1.29%1.21%+15 bps
Allowance Coverage of NPLs1.2x1.1x0.8x1.2x1.9x+0.8x
Capital
Tier 1 Leverage Ratio9.81%9.87%9.82%9.92%10.05%+24 bps
Total Risk-Based Capital13.52%13.85%13.88%14.55%14.80%+129 bps
Equity / Assets8.01%8.75%8.64%8.62%8.98%+97 bps
Liquidity & Funding
Loans / Deposits94.09%95.61%87.79%85.82%84.78%-931 bps
Liquid Assets / Assets1.96%1.19%2.61%3.22%1.72%-24 bps
CRE / Total Capitaln/a288%283%271%n/an/a