PackageTrendsPeer
Letter portraitLegal landscape

Chillicothe State Bank

Chillicothe, MO · Cert 15546 · C S Bancshares Inc.

State charter, non-member · FDIC · 2 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 MO3

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 MO (n=82 to 83). 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

35

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

Chillicothe State Bank

Chillicothe, MO · Cert 15546 · C S Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$135.2MAssets
$75.5MLoans
$122.7MDeposits
$11.6MEquity
Loan mix
86%RE $60.8M6%C&I $4.0M8%Consumer $6.0MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $88.0M28%Noninterest $34.7MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.33%Q2 ’254.64%Q2 ’26+7%+6%

Non-interest income vs. expense

2.41%Q2 ’242.52%Q2 ’252.66%Q2 ’26-17%+34%

Executive Summary

  • Earnings: ROA of 1.24%, down 26 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.72% of loans (-67 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 7.89%, down 142 bps from a year ago.
  • Funding: loans stand at 61.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+23 bps YoY

Efficiency Ratio (YTD, annualized)

62.64%+601 bps YoY

Tier 1 Leverage Ratio

7.89%-142 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.41%1.20%1.26%1.24%-26 bps
Return on Equity18.94%17.67%15.00%15.60%15.09%-385 bps
Net Interest Margin3.61%3.66%3.64%3.75%3.84%+23 bps
Efficiency Ratio56.64%57.92%61.40%61.55%62.64%+601 bps
Non-Interest Burden1.68%1.83%2.01%2.15%2.25%+57 bps
Growth
Asset Growth (YoY)-1.67%-1.78%0.86%1.28%1.01%+269 bps
Loan Growth (YoY)5.37%5.03%4.57%6.17%3.17%-220 bps
Deposit Growth (YoY)-2.78%-2.52%0.25%0.90%1.14%+392 bps
Asset Quality
Nonperforming Loans / Loans1.39%0.83%0.84%0.78%0.72%-67 bps
Net Charge-Offs / Loans0.12%0.08%0.07%-0.01%-0.01%-13 bps
Allowance / Loans1.41%1.41%1.62%1.60%1.57%+16 bps
Allowance Coverage of NPLs1.0x1.7x1.9x2.1x2.2x+1.2x
Capital
Tier 1 Leverage Ratio9.31%8.75%8.48%8.69%7.89%-142 bps
Total Risk-Based Capital21.40%20.29%20.71%21.13%18.36%-304 bps
Equity / Assets8.60%8.17%8.10%8.05%8.58%-2 bps
Liquidity & Funding
Loans / Deposits60.34%59.91%58.01%57.57%61.55%+121 bps
Liquid Assets / Assets5.28%6.70%7.73%8.47%5.68%+39 bps
CRE / Total Capitaln/a87.28%83.44%84.14%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

Chillicothe State Bank

Chillicothe, MO · Cert 15546 · Peer group: banks under $1B in assets in MO (n=82-83) · C S Bancshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$135.2MAssets
$75.5MLoans
$122.7MDeposits
$11.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
  • Widest gap: equity / assets trails 80% of banks under $1B in assets in MO (rank 66 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.26%

Rank 43 of 83

Net Interest Margin

3.84%

Rank 43 of 83

Efficiency Ratio

62.64%

Rank 55 of 83

Equity / Assets

8.58%

Rank 66 of 83

Non-interest income vs. expense

$0.6M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 35% of banks under $1B in assets in MO
Bank 62.64%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.96%1.32%1.75%Beats 48%43 / 83
Return on Equity14.68%9.66%12.96%15.76%Beats 70%25 / 83
Net Interest Margin3.84%3.35%3.85%4.16%Beats 48%43 / 83
Efficiency Ratio62.64%49.83%58.83%68.51%Beats 35%55 / 83
Asset Quality
Nonperforming Loans / Loans0.72%0.08%0.51%1.01%Beats 40%50 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio17.10%11.01%12.49%14.98%Beats 84%13 / 83
Total Risk-Based Capital Ratio18.36%11.13%13.01%15.10%Beats 84%13 / 83
Equity / Assets8.58%8.83%10.71%13.29%Beats 20%66 / 83
Liquidity & Funding
Loans / Deposits61.55%69.28%83.22%91.21%13th pctl71 / 82
Loans / Assets55.86%59.34%71.15%78.36%16th pctl70 / 83
Brokered Deposits / Depositsn/aNot reported for this institution