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Community State Bank

Galva, IL · Cert 23257 · CSB Financial Holdings Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 (n=581 to 629). 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer 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

Galva, IL · Cert 23257 · CSB Financial Holdings Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$441.9MAssets
$302.1MLoans
$399.1MDeposits
$41.2MEquity
Loan mix
87%RE $249.5M11%C&I $32.8M1%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $333.2M17%Noninterest $65.9MQ2 2025Q2 2026

NIM

5.25%Q2 ’245.53%Q2 ’255.40%Q2 ’26+8%-2%

Non-interest income vs. expense

1.99%Q2 ’242.07%Q2 ’252.27%Q2 ’26+5%+13%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 1.7% share · #15 of 29 inst. · $0.2B of $10.5B

9.4% Henry
7.1% Bureau
8.1% Morgan
2.2% Knox

Executive Summary

  • Earnings: ROA of 1.08%, down 18 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 1.38% of loans (+6 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.41%, down 78 bps from a year ago.
  • Funding: loans stand at 75.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-6 bps YoY

Efficiency Ratio (YTD, annualized)

61.08%+734 bps YoY

Tier 1 Leverage Ratio

9.41%-78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.28%1.17%1.13%1.08%-18 bps
Return on Equity12.21%12.33%11.21%11.12%10.94%-126 bps
Net Interest Margin3.60%3.59%3.52%3.70%3.55%-6 bps
Efficiency Ratio53.74%53.69%56.82%59.53%61.08%+734 bps
Non-Interest Burden1.90%1.89%1.96%2.17%2.14%+24 bps
Growth
Asset Growth (YoY)4.14%3.03%5.49%9.76%18.57%+1,443 bps
Loan Growth (YoY)3.60%2.83%8.74%12.89%15.15%+1,155 bps
Deposit Growth (YoY)3.08%2.55%5.56%10.31%20.30%+1,722 bps
Asset Quality
Nonperforming Loans / Loans1.32%1.27%1.18%1.20%1.38%+6 bps
Net Charge-Offs / Loans-0.29%-0.17%-0.13%-0.03%-0.02%+27 bps
Allowance / Loans1.55%1.56%1.49%1.44%1.45%-10 bps
Allowance Coverage of NPLs1.2x1.2x1.3x1.2x1.0x-0.1x
Capital
Tier 1 Leverage Ratio10.19%10.14%10.19%9.85%9.41%-78 bps
Total Risk-Based Capital10.19%10.14%10.19%9.85%9.41%-78 bps
Equity / Assets10.45%10.53%10.37%10.02%9.32%-113 bps
Liquidity & Funding
Loans / Deposits79.08%77.44%81.35%82.54%75.70%-338 bps
Liquid Assets / Assets21.80%23.19%18.29%18.22%22.88%+108 bps
CRE / Total Capitaln/a372%425%464%n/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

Galva, IL · Cert 23257 · Peer group: banks under $1B in assets (n=581-629) · CSB Financial Holdings Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$441.9MAssets
$302.1MLoans
$399.1MDeposits
$41.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 599 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.01%

Rank 319 of 629

Net Interest Margin

3.55%

Rank 306 of 629

Efficiency Ratio

61.95%

Rank 207 of 629

Equity / Assets

9.32%

Rank 447 of 629

Non-interest income vs. expense

$0.6M$9.6MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 67% of banks under $1B in assets
Bank 61.95%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.60%1.01%1.45%Beats 49%319 / 629
Return on Equity10.80%5.38%9.30%13.28%Beats 59%258 / 629
Net Interest Margin3.55%3.03%3.54%4.05%Beats 51%306 / 629
Efficiency Ratio61.95%58.35%67.79%79.08%Beats 67%207 / 629
Asset Quality
Nonperforming Loans / Loans1.38%0.09%0.46%1.20%Beats 20%463 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.41%11.24%13.84%18.77%Beats 5%598 / 629
Total Risk-Based Capital Ratio9.41%11.58%14.43%19.66%Beats 5%599 / 629
Equity / Assets9.32%9.09%10.65%13.80%Beats 29%447 / 629
Liquidity & Funding
Loans / Deposits75.70%67.24%80.90%93.48%41st pctl351 / 594
Loans / Assets68.37%53.31%67.71%78.15%51st pctl306 / 629
Brokered Deposits / Depositsn/aNot reported for this institution