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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