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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