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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

4.10%Q2 ’244.42%Q2 ’254.71%Q2 ’26+8%+5%

Non-interest income vs. expense

2.43%Q2 ’242.61%Q2 ’252.74%Q2 ’26-35%+76%

Executive Summary

  • Earnings: ROA of 1.22%, down 61 bps year over year; NIM at 3.89%.
  • 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 (quarter, annualized)

1.22%-61 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+20 bps YoY

Efficiency Ratio (quarter, annualized)

63.70%+1,116 bps YoY

Tier 1 Leverage Ratio

7.89%-142 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.83%1.24%0.58%1.26%1.22%-61 bps
Return on Equity22.50%14.76%7.11%15.60%14.64%-787 bps
Net Interest Margin3.69%3.72%3.79%3.75%3.89%+20 bps
Efficiency Ratio52.55%60.73%72.10%61.55%63.70%+1,116 bps
Non-Interest Burden1.33%2.12%2.63%2.15%2.33%+100 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 / Loans0.15%-0.01%0.03%-0.01%-0.01%-15 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