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Community State Bank of Missouri

Bowling Green, MO · Cert 1936

State charter, non-member · FDIC · 3 branches

Q2 2026

$333.9MAssets
$233.3MLoans
$296.0MDeposits
$36.5MEquity
Loan mix
86%RE $192.2M13%C&I $29.3M1%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $246.3M17%Noninterest $49.7MQ2 2025Q2 2026

NIM

5.34%Q2 ’244.92%Q2 ’255.13%Q2 ’26-18%+14%

Non-interest income vs. expense

2.17%Q2 ’242.03%Q2 ’252.00%Q2 ’26-7%+1%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #81 of 111 inst. · $0.1B of $141.7B

46.2% Pike
4.5% Lincoln

Executive Summary

  • Earnings: ROA of 1.45%, up 35 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.26% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.02%, down 7 bps from a year ago.
  • Funding: loans stand at 78.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.45%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.50%+43 bps YoY

Efficiency Ratio (quarter, annualized)

52.32%-662 bps YoY

Tier 1 Leverage Ratio

11.02%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%0.94%1.47%1.29%1.45%+35 bps
Return on Equity10.42%8.50%13.28%12.25%13.74%+333 bps
Net Interest Margin3.08%2.85%3.42%3.37%3.50%+43 bps
Efficiency Ratio58.95%62.82%51.15%54.99%52.32%-662 bps
Non-Interest Burden1.67%1.67%1.57%1.71%1.68%+2 bps
Growth
Asset Growth (YoY)8.71%7.69%9.28%7.61%3.73%-498 bps
Loan Growth (YoY)2.13%4.72%9.61%5.84%2.22%+9 bps
Deposit Growth (YoY)14.29%10.66%9.10%7.85%3.53%-1,076 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.23%0.26%0.27%0.26%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.10%0.00%0.00%0 bps
Allowance / Loans0.81%0.76%0.71%0.73%0.73%-8 bps
Allowance Coverage of NPLs3.1x3.2x2.7x2.7x2.8x-0.2x
Capital
Tier 1 Leverage Ratio11.09%11.28%11.28%10.34%11.02%-7 bps
Total Risk-Based Capital11.09%11.28%11.28%10.34%11.02%-7 bps
Equity / Assets10.75%11.32%10.79%10.24%10.92%+17 bps
Liquidity & Funding
Loans / Deposits79.81%82.80%77.06%76.61%78.80%-101 bps
Liquid Assets / Assets4.74%2.82%5.38%6.26%2.84%-190 bps
CRE / Total Capitaln/a113.29%125.94%131.84%n/an/a