Chillicothe, MO · Cert 15546 · C S Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.85% | 1.16% | 1.83% | 1.24% | 0.58% | 1.26% | 1.22% | -61 bps | |
| Return on Equity | 16.04% | 11.38% | 15.30% | 22.50% | 14.76% | 7.11% | 15.60% | 14.64% | -787 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.49% | 3.69% | 3.72% | 3.79% | 3.75% | 3.89% | +20 bps | |
| Efficiency Ratio | 61.10% | 71.52% | 61.84% | 52.55% | 60.73% | 72.10% | 61.55% | 63.70% | +1,116 bps | |
| Non-Interest Burden | 1.94% | 2.39% | 2.01% | 1.33% | 2.12% | 2.63% | 2.15% | 2.33% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | -5.76% | -4.55% | -1.67% | -1.78% | 0.86% | 1.28% | 1.01% | +269 bps | |
| Loan Growth (YoY) | -0.23% | 1.15% | -1.29% | 5.37% | 5.03% | 4.57% | 6.17% | 3.17% | -220 bps | |
| Deposit Growth (YoY) | -2.61% | -6.22% | -5.36% | -2.78% | -2.52% | 0.25% | 0.90% | 1.14% | +392 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 1.09% | 1.23% | 1.39% | 0.83% | 0.84% | 0.78% | 0.72% | -67 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.10% | 0.15% | -0.01% | 0.03% | -0.01% | -0.01% | -15 bps | |
| Allowance / Loans | 1.54% | 1.56% | 1.56% | 1.41% | 1.41% | 1.62% | 1.60% | 1.57% | +16 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.4x | 1.3x | 1.0x | 1.7x | 1.9x | 2.1x | 2.2x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.63% | 8.71% | 8.75% | 9.31% | 8.75% | 8.48% | 8.69% | 7.89% | -142 bps | |
| Total Risk-Based Capital | 20.79% | 21.55% | 21.57% | 21.40% | 20.29% | 20.71% | 21.13% | 18.36% | -304 bps | |
| Equity / Assets | 7.49% | 7.47% | 7.67% | 8.60% | 8.17% | 8.10% | 8.05% | 8.58% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.60% | 55.61% | 54.71% | 60.34% | 59.91% | 58.01% | 57.57% | 61.55% | +121 bps | |
| Liquid Assets / Assets | 6.43% | 6.39% | 9.84% | 5.28% | 6.70% | 7.73% | 8.47% | 5.68% | +39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 87.28% | 83.44% | 84.14% | n/a | n/a | |