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Community State Bank

Ankeny, IA · Cert 18272 · QCR Holdings Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer 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 State Bank

Ankeny, IA · Cert 18272 · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 10 branches (37 in holding)

Q2 2026

$1.7BAssets
$1.3BLoans
$1.3BDeposits
$202.1MEquity
Loan mix
85%RE $1.1B15%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.1B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.32%Q2 ’245.14%Q2 ’255.01%Q2 ’26+1%+2%

Non-interest income vs. expense

2.15%Q2 ’242.11%Q2 ’252.08%Q2 ’26-2%0%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 3.3% share · #7 of 57 inst. · $1.3B of $38.0B

3.9% Polk
0.8% Dallas

Executive Summary

  • Earnings: ROA of 1.34%, up 15 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.19% of loans (-25 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.67%, down 8 bps from a year ago.
  • Funding: loans stand at 102.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+7 bps YoY

Efficiency Ratio (YTD, annualized)

59.69%-69 bps YoY

Tier 1 Leverage Ratio

11.67%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.26%1.21%1.33%1.34%+15 bps
Return on Equity10.46%11.10%10.65%11.64%11.65%+119 bps
Net Interest Margin3.08%3.05%2.96%3.17%3.15%+7 bps
Efficiency Ratio60.37%60.33%61.34%58.76%59.69%-69 bps
Non-Interest Burden1.73%1.69%1.70%1.70%1.73%0 bps
Growth
Asset Growth (YoY)5.08%11.21%12.79%10.34%9.08%+400 bps
Loan Growth (YoY)3.79%9.26%10.49%10.06%7.00%+321 bps
Deposit Growth (YoY)7.05%2.14%6.76%6.05%-0.71%-776 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.01%0.15%0.19%0.19%-25 bps
Net Charge-Offs / Loans-0.02%0.05%0.04%-0.01%-0.01%+1 bps
Allowance / Loans1.09%0.97%1.06%0.95%1.00%-8 bps
Allowance Coverage of NPLs2.4x96.8x6.8x4.9x5.2x+2.8x
Capital
Tier 1 Leverage Ratio11.75%11.72%11.42%11.92%11.67%-8 bps
Total Risk-Based Capital13.06%12.52%12.65%12.62%12.74%-32 bps
Equity / Assets11.41%11.34%11.38%11.52%11.57%+16 bps
Liquidity & Funding
Loans / Deposits94.85%97.93%95.46%100.32%102.21%+736 bps
Liquid Assets / Assets14.59%14.24%13.75%13.75%13.84%-76 bps
CRE / Total Capitaln/a469%464%462%n/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 State Bank

Ankeny, IA · Cert 18272 · Peer group: banks $1B-$10B in assets (n=322-328) · QCR Holdings Inc.

State charter, Fed member · FED · 3 affiliate banks · 10 branches (37 in holding)

Q2 2026

$1.7BAssets
$1.3BLoans
$1.3BDeposits
$202.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
  • Widest gap: total risk-based capital ratio trails 74% of banks $1B-$10B in assets (rank 243 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.33%

Rank 127 of 328

Net Interest Margin

3.15%

Rank 227 of 328

Efficiency Ratio

59.69%

Rank 167 of 328

Equity / Assets

11.57%

Rank 98 of 328

Non-interest income vs. expense

$6.2M$36.5MINCOMEEXPENSE
Unfavorable gap of $30.3M · efficiency ratio beats 49% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.33%0.91%1.22%1.52%Beats 61%127 / 328
Return on Equity11.49%8.43%11.45%14.43%Beats 51%162 / 328
Net Interest Margin3.15%3.03%3.45%3.83%Beats 31%227 / 328
Efficiency Ratio59.69%51.61%59.56%67.53%Beats 49%167 / 328
Asset Quality
Nonperforming Loans / Loans0.19%0.24%0.51%1.03%Beats 78%73 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio11.89%11.75%13.15%15.47%Beats 28%237 / 328
Total Risk-Based Capital Ratio12.74%12.63%14.15%16.46%Beats 26%243 / 328
Equity / Assets11.57%9.15%10.33%12.01%Beats 70%98 / 328
Liquidity & Funding
Loans / Deposits102.21%76.63%87.92%95.36%91st pctl29 / 323
Loans / Assets73.94%65.18%74.15%79.98%49th pctl167 / 328
Brokered Deposits / Depositsn/aNot reported for this institution