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Central State Bank

Coralville, IA · Cert 1550 · Ajj Bcorp Inc.

State charter, Fed member · FED · 7 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

73

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

Central State Bank

Coralville, IA · Cert 1550 · Ajj Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$419.3MAssets
$328.0MLoans
$344.4MDeposits
$41.5MEquity
Loan mix
87%RE $281.2M13%C&I $40.5M1%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $281.5M18%Noninterest $62.9MQ3 2024Q2 2026

Market Position · Iowa City, IA · 2026 SOD (annual) · 2.2% share · #7 of 20 inst. · $0.1B of $5.9B

8.0% Clayton
2.7% Johnson
4.8% Benton
0.3% Linn

Executive Summary

  • Earnings: ROA of 1.40%, up 63 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.02% of loans (-35 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.27%, up 59 bps from a year ago.
  • Funding: loans stand at 95.22% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.40%+63 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+63 bps YoY

Efficiency Ratio (YTD, annualized)

50.90%-1,037 bps YoY

Tier 1 Leverage Ratio

10.27%+59 bps YoY

NIM

4.78%Q2 ’244.92%Q2 ’255.11%Q2 ’26+21%+25%

Non-interest income vs. expense

1.58%Q2 ’241.66%Q2 ’251.70%Q2 ’26+9%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.55%0.68%0.77%0.80%0.89%1.12%1.40%+63 bps
Return on Equity6.28%6.74%8.05%9.02%9.13%10.05%11.99%14.68%+566 bps
Net Interest Margin2.10%2.15%2.38%2.57%2.62%2.73%3.03%3.20%+63 bps
Efficiency Ratio69.19%68.03%63.52%61.27%60.99%58.90%52.43%50.90%-1,037 bps
Non-Interest Burden1.40%1.40%1.46%1.52%1.54%1.52%1.52%1.56%+4 bps
Growth
Asset Growth (YoY)2.91%-2.56%-1.54%-3.61%-5.45%-3.40%-4.16%-7.49%-388 bps
Loan Growth (YoY)-1.15%-3.52%-4.46%-4.63%-6.23%-3.71%-8.40%-10.10%-546 bps
Deposit Growth (YoY)5.99%1.91%3.68%-0.05%-7.07%-8.77%-7.09%-6.41%-636 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.04%0.37%0.36%0.02%0.00%0.02%0.02%-35 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.02%0.02%0.00%0.00%0 bps
Allowance / Loans1.29%1.33%1.34%1.35%1.37%1.37%1.45%1.34%-2 bps
Allowance Coverage of NPLs4.2x32.2x3.6x3.7x76.3xn/a82.7x76.9x+73.1x
Capital
Tier 1 Leverage Ratio8.87%9.01%9.39%9.68%9.91%9.72%10.20%10.27%+59 bps
Total Risk-Based Capital12.67%13.19%13.73%14.00%14.55%14.17%15.55%15.68%+168 bps
Equity / Assets8.39%8.29%8.59%8.81%9.32%9.32%9.43%9.88%+108 bps
Liquidity & Funding
Loans / Deposits99.74%97.68%94.85%99.13%100.64%103.09%93.51%95.22%-391 bps
Liquid Assets / Assets1.60%0.53%0.59%1.32%1.03%0.13%5.55%2.49%+116 bps
CRE / Total Capitaln/an/an/an/a406%416%365%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

Central State Bank

Coralville, IA · Cert 1550 · Peer group: banks under $1B in assets in IA (n=134-135) · Ajj Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$419.3MAssets
$328.0MLoans
$344.4MDeposits
$41.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
  • Widest gap: equity / assets trails 74% of banks under $1B in assets in IA (rank 100 of 135).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.45%

Rank 40 of 135

Net Interest Margin

3.20%

Rank 87 of 135

Efficiency Ratio

51.43%

Rank 37 of 135

Equity / Assets

9.88%

Rank 100 of 135

Non-interest income vs. expense

$0.6M$7.1MINCOMEEXPENSE
Unfavorable gap of $6.6M · efficiency ratio beats 73% of banks under $1B in assets in IA
Bank 51.43%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.45%0.92%1.19%1.47%Beats 70%40 / 135
Return on Equity14.67%7.99%10.26%13.14%Beats 83%23 / 135
Net Interest Margin3.20%2.95%3.41%3.73%Beats 36%87 / 135
Efficiency Ratio51.43%50.61%57.35%63.29%Beats 73%37 / 135
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.51%1.26%Beats 78%31 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio14.42%11.23%13.31%15.45%Beats 63%50 / 135
Total Risk-Based Capital Ratio15.68%11.61%14.06%16.47%Beats 69%42 / 135
Equity / Assets9.88%9.87%11.05%13.07%Beats 26%100 / 135
Liquidity & Funding
Loans / Deposits95.22%68.54%81.55%91.24%82nd pctl24 / 134
Loans / Assets78.21%57.61%68.06%76.23%80th pctl27 / 135
Brokered Deposits / Depositsn/aNot reported for this institution