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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

5.44%Q2 ’245.26%Q2 ’255.08%Q2 ’26+3%+1%

Non-interest income vs. expense

2.18%Q2 ’242.17%Q2 ’252.15%Q2 ’260%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 4 bps year over year; NIM at 3.20%.
  • 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 (quarter, annualized)

1.34%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+4 bps YoY

Efficiency Ratio (quarter, annualized)

60.58%-12 bps YoY

Tier 1 Leverage Ratio

11.67%-8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.41%1.06%1.33%1.34%+4 bps
Return on Equity11.46%12.36%9.37%11.64%11.64%+18 bps
Net Interest Margin3.16%3.19%3.15%3.17%3.20%+4 bps
Efficiency Ratio60.70%60.26%64.16%58.76%60.58%-12 bps
Non-Interest Burden1.79%1.73%1.98%1.70%1.79%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 / Loans0.00%0.19%0.00%-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