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Community State Bank

Royal Center, IN · Cert 1839 · Community Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$175.9MAssets
$95.8MLoans
$160.6MDeposits
$14.2MEquity
Loan mix
81%RE $53.7M10%C&I $6.6M9%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $139.3M13%Noninterest $21.3MQ2 2025Q2 2026

NIM

4.03%Q2 ’244.17%Q2 ’254.25%Q2 ’26+13%+6%

Non-interest income vs. expense

2.68%Q2 ’242.76%Q2 ’252.90%Q2 ’26+6%+5%

Executive Summary

  • Earnings: ROA of 0.54%, up 6 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.37% of loans (-46 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.48%, up 43 bps from a year ago.
  • Funding: loans stand at 59.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.00%+18 bps YoY

Efficiency Ratio (quarter, annualized)

82.81%-96 bps YoY

Tier 1 Leverage Ratio

10.48%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.62%0.42%0.71%0.54%+6 bps
Return on Equity6.77%7.96%5.14%8.56%6.49%-28 bps
Net Interest Margin2.82%2.95%2.89%2.90%3.00%+18 bps
Efficiency Ratio83.77%79.60%86.14%74.86%82.81%-96 bps
Non-Interest Burden2.27%2.23%2.42%2.04%2.39%+11 bps
Growth
Asset Growth (YoY)-2.11%-2.16%-4.47%-3.69%1.92%+402 bps
Loan Growth (YoY)1.52%1.87%-0.99%4.07%9.63%+811 bps
Deposit Growth (YoY)-2.44%-2.92%-6.39%-5.27%1.04%+348 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.98%0.97%0.12%0.37%-46 bps
Net Charge-Offs / Loans0.00%-0.03%0.02%0.73%0.00%0 bps
Allowance / Loans1.40%1.40%1.40%1.20%1.11%-29 bps
Allowance Coverage of NPLs1.7x1.4x1.5x10.2x3.0x+1.3x
Capital
Tier 1 Leverage Ratio10.05%10.29%10.17%10.50%10.48%+43 bps
Total Risk-Based Capital18.38%18.72%18.69%19.06%17.83%-55 bps
Equity / Assets7.22%8.30%8.19%8.52%8.05%+83 bps
Liquidity & Funding
Loans / Deposits55.01%57.18%55.25%57.36%59.69%+468 bps
Liquid Assets / Assets3.01%3.13%2.46%2.63%2.34%-67 bps
CRE / Total Capitaln/a20.14%21.60%20.47%n/an/a