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Community Bank

Joseph, OR · Cert 17445

FDIC · 10 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, 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 (n=547 to 599). 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

58

Q2 2024Q1 2025peer median (50)

Asset Quality

37

Q2 2024Q1 2025peer median (50)

Profitability

48

Q2 2024Q1 2025peer median (50)

Liquidity

0

Q2 2024Q1 2025peer median

Efficiency

47

Q2 2024Q1 2025peer 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

Community Bank

Joseph, OR · Cert 17445

FDIC · 10 branches

Q1 2025

$529.2MAssets
$135.0MLoans
$496.3MDeposits
$29.5MEquity
Loan mix
89%RE $89.2M11%C&I $11.0M1%Consumer $0.5MQ1 2024Q1 2025
Deposit mix
80%Interest-bearing $397.9M20%Noninterest $98.4MQ1 2024Q1 2025

NIM

3.39%Q1 ’233.80%Q1 ’243.87%Q1 ’25-23%+15%

Non-interest income vs. expense

2.16%Q1 ’232.20%Q1 ’242.30%Q1 ’250%+6%

Market Position · Walla Walla, WA · 2024 SOD (annual) · 3.6% share · #7 of 7 inst. · $0.1B of $1.6B

53.8% Wallowa
20.1% Union
8.6% Umatilla
3.6% Walla Walla

Executive Summary

  • Earnings: ROA of 0.73%, up 20 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.78% of loans (-14 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.55%, up 77 bps from a year ago.
  • Funding: loans stand at 27.20% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.73%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+37 bps YoY

Efficiency Ratio (YTD, annualized)

72.05%-549 bps YoY

Tier 1 Leverage Ratio

9.55%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.53%0.57%0.59%0.71%0.73%+20 bps
Return on Equity14.29%14.80%13.84%16.38%14.54%+24 bps
Net Interest Margin2.42%2.50%2.52%2.54%2.79%+37 bps
Efficiency Ratio77.54%76.27%75.67%72.94%72.05%-549 bps
Non-Interest Burden1.78%1.80%1.80%1.74%1.90%+12 bps
Growth
Asset Growth (YoY)0.78%0.05%6.42%-2.03%-4.01%-479 bps
Loan Growth (YoY)1.70%-2.88%-4.57%-3.50%-4.22%-593 bps
Deposit Growth (YoY)-1.70%0.25%3.23%1.05%-2.31%-61 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.91%0.86%0.82%0.78%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.01%+1 bps
Allowance / Loans1.37%1.40%1.39%1.27%1.27%-10 bps
Allowance Coverage of NPLs1.5x1.5x1.6x1.6x1.6x+0.1x
Capital
Tier 1 Leverage Ratio8.78%9.10%9.08%9.09%9.55%+77 bps
Total Risk-Based Capital25.15%25.84%25.62%26.18%26.58%+143 bps
Equity / Assets3.69%4.05%5.48%4.55%5.58%+188 bps
Liquidity & Funding
Loans / Deposits27.74%27.08%25.84%25.92%27.20%-54 bps
Liquid Assets / Assets0.81%2.65%5.74%1.65%0.23%-58 bps
CRE / Total Capitaln/an/an/an/an/an/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

Community Bank

Joseph, OR · Cert 17445 · Peer group: banks under $1B in assets (n=547-599)

FDIC · 10 branches

Q1 2025

$529.2MAssets
$135.0MLoans
$496.3MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets (rank 87 of 598).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 574 of 598).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.75%

Rank 344 of 599

Net Interest Margin

2.79%

Rank 455 of 598

Efficiency Ratio

72.05%

Rank 320 of 598

Equity / Assets

5.58%

Rank 574 of 598

Non-interest income vs. expense

$2.3M$13.0MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 47% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.47%0.86%1.38%Beats 43%344 / 599
Return on Equity13.44%4.56%8.90%12.65%Beats 78%134 / 598
Net Interest Margin2.79%2.82%3.31%3.84%Beats 24%455 / 598
Efficiency Ratio72.05%60.53%70.73%82.91%Beats 47%320 / 598
Asset Quality
Nonperforming Loans / Loans0.78%0.06%0.34%0.91%Beats 30%384 / 547
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 43%315 / 547
Capital
Tier 1 Capital Ratio25.74%11.11%13.78%18.22%Beats 85%87 / 598
Total Risk-Based Capital Ratio26.58%11.62%14.42%19.14%Beats 85%88 / 598
Equity / Assets5.58%8.34%10.07%12.96%Beats 4%574 / 598
Liquidity & Funding
Loans / Deposits27.20%60.71%77.02%90.89%4th pctl537 / 561
Loans / Assets25.51%54.47%67.19%77.36%3rd pctl533 / 547
Brokered Deposits / Depositsn/aNot reported for this institution