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Community State Bank

Coffeyville, KS · Cert 19749

FDIC · 1 branch

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=112). 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

18

Q2 2024Q2 2024peer median (50)

Asset Quality

100

Q2 2024Q2 2024peer median (50)

Profitability

15

Q2 2024Q2 2024peer median (50)

Liquidity

22

Q2 2024Q2 2024peer median

Efficiency

23

Q2 2024Q2 2024peer 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

Coffeyville, KS · Cert 19749

FDIC · 1 branch

Q2 2024

$182.0MAssets
$87.3MLoans
$166.9MDeposits
$14.3MEquity
Loan mix
86%RE $59.5M10%C&I $6.9M4%Consumer $2.8MQ3 2022Q2 2024
Deposit mix
77%Interest-bearing $128.2M23%Noninterest $38.7MQ3 2022Q2 2024

Executive Summary

  • Earnings: ROA of 0.39%, down 123 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.26%, down 204 bps from a year ago.
  • Funding: loans stand at 52.32% of deposits as of Q2 2024.

Return on Assets (YTD, annualized)

0.39%-123 bps YoY

Net Interest Margin (YTD, annualized)

2.70%-57 bps YoY

Efficiency Ratio (YTD, annualized)

76.18%+3,128 bps YoY

Tier 1 Leverage Ratio

10.26%-204 bps YoY

NIM

2.74%Q2 ’223.69%Q2 ’234.24%Q2 ’24+24%-18%

Non-interest income vs. expense

1.61%Q2 ’221.70%Q2 ’232.36%Q2 ’24+6%+54%

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.29%0.94%1.53%1.61%1.86%1.73%1.22%0.39%-123 bps
Return on Equity13.94%10.27%16.60%17.26%19.82%18.01%11.81%4.11%-1,316 bps
Net Interest Margin2.74%2.86%3.18%3.28%3.04%3.07%2.82%2.70%-57 bps
Efficiency Ratio49.70%54.43%46.51%44.90%42.19%44.79%52.49%76.18%+3,128 bps
Non-Interest Burden1.19%1.54%1.31%1.28%0.82%0.99%1.31%1.97%+69 bps
Growth
Asset Growth (YoY)-0.07%-7.29%-6.83%-7.54%-6.98%1.23%3.79%2.22%+976 bps
Loan Growth (YoY)-16.58%-14.18%-2.91%-2.74%6.22%15.53%15.74%15.31%+1,805 bps
Deposit Growth (YoY)3.50%-5.44%-6.86%-8.32%-8.85%-2.93%2.77%4.17%+1,249 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.19%0.18%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.60%0.47%-0.03%-0.02%-0.02%-0.09%0.00%0.00%+2 bps
Allowance / Loans1.43%1.44%1.39%1.42%1.35%1.26%1.21%1.24%-18 bps
Allowance Coverage of NPLs6.9x7.7x7.9xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.13%10.84%11.78%12.30%12.38%12.44%12.66%10.26%-204 bps
Total Risk-Based Capital11.13%10.84%11.78%12.30%12.38%12.44%12.66%10.26%-204 bps
Equity / Assets7.76%9.00%9.42%9.65%9.49%10.42%10.20%7.83%-181 bps
Liquidity & Funding
Loans / Deposits43.38%46.11%47.44%47.26%50.56%54.88%53.42%52.32%+505 bps
Liquid Assets / Assets1.85%2.49%2.36%2.49%2.58%2.46%2.42%2.34%-14 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Coffeyville, KS · Cert 19749 · Peer group: banks under $1B in assets in KS (n=112)

FDIC · 1 branch

Q2 2024

$182.0MAssets
$87.3MLoans
$166.9MDeposits
$14.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 31 of 112).
  • Widest gap: return on assets trails 91% of banks under $1B in assets in KS (rank 102 of 112).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.39%

Rank 102 of 112

Net Interest Margin

2.70%

Rank 89 of 112

Efficiency Ratio

76.18%

Rank 87 of 112

Equity / Assets

7.83%

Rank 78 of 112

Non-interest income vs. expense

$0.8M$4.5MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 23% of banks under $1B in assets in KS
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.39%0.67%0.95%1.37%Beats 9%102 / 112n/a
Return on Equity5.01%6.54%9.65%14.21%Beats 15%95 / 112n/a
Net Interest Margin2.70%2.80%3.20%3.61%Beats 21%89 / 112n/a
Efficiency Ratio76.18%55.88%65.47%75.12%Beats 23%87 / 112n/a
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.19%0.73%Beats 100%31 / 112n/a
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%45 / 112n/a
Capital
Tier 1 Capital Ratio10.26%11.86%13.49%17.55%Beats 13%98 / 112n/a
Total Risk-Based Capital Ratio10.26%11.93%14.17%18.27%Beats 12%99 / 112n/a
Equity / Assets7.83%7.43%9.66%12.20%Beats 30%78 / 112n/a
Liquidity & Funding
Loans / Deposits52.32%56.14%70.88%82.32%20th pctl90 / 112n/a
Loans / Assets47.96%48.38%57.96%68.03%22nd pctl87 / 112n/a
Brokered Deposits / Depositsn/aNot reported for this institution