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Community State Bank

Avilla, IN · Cert 14883 · Community Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

60

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 State Bank

Avilla, IN · Cert 14883 · Community Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$553.6MAssets
$399.2MLoans
$502.3MDeposits
$49.3MEquity
Loan mix
82%RE $313.7M17%C&I $66.6M1%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $407.2M19%Noninterest $95.1MQ2 2025Q2 2026

NIM

5.53%Q2 ’245.56%Q2 ’255.19%Q2 ’26+3%+0%

Non-interest income vs. expense

2.04%Q2 ’242.44%Q2 ’252.31%Q2 ’26+15%-3%

Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.4% share · #21 of 26 inst. · $0.0B of $11.1B

34.0% Noble
14.1% DeKalb
0.5% Allen

Executive Summary

  • Earnings: ROA of 1.00%, down 6 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.48% of loans (+42 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.51%, down 36 bps from a year ago.
  • Funding: loans stand at 79.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.48%0 bps YoY

Efficiency Ratio (YTD, annualized)

61.07%-214 bps YoY

Tier 1 Leverage Ratio

9.51%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.02%1.01%0.77%1.00%-6 bps
Return on Equity12.30%11.75%11.62%8.75%11.37%-92 bps
Net Interest Margin3.48%3.64%3.27%3.54%3.48%0 bps
Efficiency Ratio63.21%64.08%63.59%64.29%61.07%-214 bps
Non-Interest Burden2.06%2.20%1.95%2.16%2.01%-5 bps
Growth
Asset Growth (YoY)-1.60%4.52%8.68%1.56%10.89%+1,249 bps
Loan Growth (YoY)3.97%5.45%-0.15%2.16%2.88%-110 bps
Deposit Growth (YoY)2.29%9.54%13.81%5.99%11.09%+879 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.11%0.07%0.42%0.48%+42 bps
Net Charge-Offs / Loans0.07%0.05%0.03%0.01%0.00%-7 bps
Allowance / Loans1.13%1.15%1.26%1.26%1.26%+13 bps
Allowance Coverage of NPLs20.7x10.5x18.9x3.0x2.6x-18.1x
Capital
Tier 1 Leverage Ratio9.87%10.33%9.21%9.62%9.51%-36 bps
Total Risk-Based Capital13.99%14.06%14.72%14.50%14.59%+59 bps
Equity / Assets9.09%8.87%8.41%9.20%8.91%-18 bps
Liquidity & Funding
Loans / Deposits85.82%81.80%74.00%83.97%79.48%-634 bps
Liquid Assets / Assets12.60%16.22%23.64%8.26%12.44%-16 bps
CRE / Total Capitaln/a328%335%352%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 State Bank

Avilla, IN · Cert 14883 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Financial Corp.

State charter, Fed member · FED · 5 branches

Q2 2026

$553.6MAssets
$399.2MLoans
$502.3MDeposits
$49.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 67% of banks under $1B in assets operating in a single state (rank 251 of 743).
  • Widest gap: equity / assets trails 75% of banks under $1B in assets operating in a single state (rank 558 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.00%

Rank 408 of 746

Net Interest Margin

3.48%

Rank 459 of 746

Efficiency Ratio

61.06%

Rank 298 of 746

Equity / Assets

8.91%

Rank 558 of 746

Non-interest income vs. expense

$1.7M$13.1MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state
Bank 61.06%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.72%1.06%1.45%Beats 45%408 / 746
Return on Equity11.18%6.74%10.51%13.63%Beats 57%322 / 746
Net Interest Margin3.48%3.17%3.68%4.16%Beats 38%459 / 746
Efficiency Ratio61.06%55.74%64.58%75.47%Beats 60%298 / 746
Asset Quality
Nonperforming Loans / Loans0.48%0.09%0.42%1.07%Beats 47%393 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 67%251 / 743
Capital
Tier 1 Capital Ratio13.34%11.55%13.75%17.60%Beats 45%409 / 746
Total Risk-Based Capital Ratio14.59%11.71%14.33%18.43%Beats 51%365 / 746
Equity / Assets8.91%8.90%10.51%13.06%Beats 25%558 / 746
Liquidity & Funding
Loans / Deposits79.48%61.31%78.27%90.78%52nd pctl356 / 746
Loans / Assets72.12%53.60%66.97%76.08%63rd pctl275 / 746
Brokered Deposits / Depositsn/aNot reported for this institution