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Letter portraitLegal landscapeQuarterYTD

Community State Bank

Paton, IA · Cert 17551

State charter, non-member · FDIC · 1 branch

Q2 2026

$41.4MAssets
$13.3MLoans
$33.6MDeposits
$7.8MEquity
Loan mix
46%RE $2.1M37%C&I $1.7M16%Consumer $0.7MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $25.4M24%Noninterest $8.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.86%, down 14 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (-410 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 20.23%, up 24 bps from a year ago.
  • Funding: loans stand at 39.56% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.86%-14 bps YoY

Net Interest Margin (quarter, annualized)

2.72%+25 bps YoY

Efficiency Ratio (quarter, annualized)

73.88%+1,381 bps YoY

Tier 1 Leverage Ratio

20.23%+24 bps YoY

NIM

3.72%Q2 ’243.65%Q2 ’253.79%Q2 ’26-2%+10%

Non-interest income vs. expense

1.77%Q2 ’241.74%Q2 ’252.52%Q2 ’26-11%+40%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%-0.03%0.32%1.00%-0.13%0.24%0.27%0.86%-14 bps
Return on Equity3.83%-0.17%1.89%5.83%-0.75%1.32%1.52%4.73%-110 bps
Net Interest Margin2.49%2.52%2.44%2.47%2.51%2.48%2.49%2.72%+25 bps
Efficiency Ratio71.27%88.64%84.88%60.07%76.72%90.29%85.49%73.88%+1,381 bps
Non-Interest Burden1.75%2.23%2.06%1.31%1.92%2.23%2.14%1.83%+52 bps
Growth
Asset Growth (YoY)-5.95%-8.69%-7.18%-2.63%-1.78%3.18%2.02%-1.37%+126 bps
Loan Growth (YoY)3.42%-4.08%-9.30%-13.08%-12.96%-12.61%-6.09%-6.68%+639 bps
Deposit Growth (YoY)-10.16%-10.92%-9.83%-4.97%-3.14%1.55%0.96%-2.96%+201 bps
Asset Quality
Nonperforming Loans / Loans5.94%5.78%6.48%4.10%0.00%0.00%0.00%0.00%-410 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%16.71%0.00%0.00%-0.24%-24 bps
Allowance / Loans3.08%3.30%3.69%3.82%0.32%0.31%0.33%0.39%-343 bps
Allowance Coverage of NPLs0.5x0.6x0.6x0.9xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.24%19.54%19.63%19.99%19.96%19.40%19.74%20.23%+24 bps
Total Risk-Based Capital36.23%34.80%37.75%39.28%38.42%35.38%37.67%40.18%+89 bps
Equity / Assets16.90%16.49%16.90%17.43%18.10%17.82%17.80%18.78%+135 bps
Liquidity & Funding
Loans / Deposits45.54%47.68%42.38%41.13%40.92%41.03%39.42%39.56%-158 bps
Liquid Assets / Assets2.78%0.81%0.32%0.80%1.05%3.72%2.10%0.78%-2 bps
CRE / Total Capitaln/an/an/an/a6.53%6.62%6.53%n/an/a