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Community State Bank of Canton

Canton, OK · Cert 26416 · Canton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 in OK (n=88 to 89). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

58

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 of Canton

Canton, OK · Cert 26416 · Canton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.0MAssets
$53.3MLoans
$63.4MDeposits
$9.4MEquity
Loan mix
64%RE $26.3M33%C&I $13.5M3%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $50.2M21%Noninterest $13.2MQ2 2025Q2 2026

NIM

6.04%Q2 ’246.19%Q2 ’256.30%Q2 ’26-3%+5%

Non-interest income vs. expense

3.65%Q2 ’243.01%Q2 ’252.89%Q2 ’26-14%-4%

Executive Summary

  • Earnings: ROA of 1.49%, up 15 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.34% of loans (-22 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 12.90%, up 52 bps from a year ago.
  • Funding: loans stand at 84.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.62%+24 bps YoY

Efficiency Ratio (YTD, annualized)

57.88%-522 bps YoY

Tier 1 Leverage Ratio

12.90%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.47%1.44%1.57%1.49%+15 bps
Return on Equity11.10%12.09%11.70%12.32%11.60%+50 bps
Net Interest Margin4.38%4.45%4.64%4.74%4.62%+24 bps
Efficiency Ratio63.10%60.20%59.43%57.44%57.88%-522 bps
Non-Interest Burden2.62%2.53%2.59%2.55%2.52%-11 bps
Growth
Asset Growth (YoY)8.00%8.11%1.63%6.82%3.50%-450 bps
Loan Growth (YoY)5.89%8.71%7.32%7.64%4.73%-116 bps
Deposit Growth (YoY)7.25%7.48%3.68%6.09%2.61%-465 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.39%0.60%0.00%0.34%-22 bps
Net Charge-Offs / Loans-0.03%0.01%0.50%-0.15%0.07%+10 bps
Allowance / Loans1.89%1.85%1.53%1.62%1.66%-23 bps
Allowance Coverage of NPLs3.4x4.8x2.6xn/a4.8x+1.5x
Capital
Tier 1 Leverage Ratio12.38%12.61%13.01%13.02%12.90%+52 bps
Total Risk-Based Capital12.38%12.61%13.01%13.02%12.90%+52 bps
Equity / Assets12.10%12.64%12.99%12.58%12.89%+79 bps
Liquidity & Funding
Loans / Deposits82.31%86.64%88.92%83.82%84.01%+170 bps
Liquid Assets / Assets1.77%1.77%1.45%1.03%1.03%-74 bps
CRE / Total Capitaln/a49.56%49.18%51.96%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 of Canton

Canton, OK · Cert 26416 · Peer group: banks under $1B in assets in OK (n=88-89) · Canton Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.0MAssets
$53.3MLoans
$63.4MDeposits
$9.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks under $1B in assets in OK (rank 20 of 89).
  • Widest gap: net charge-offs / loans trails 66% of banks under $1B in assets in OK (rank 59 of 88).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.46%

Rank 29 of 89

Net Interest Margin

4.62%

Rank 20 of 89

Efficiency Ratio

57.88%

Rank 38 of 89

Equity / Assets

12.89%

Rank 28 of 89

Non-interest income vs. expense

$0.3M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 58% of banks under $1B in assets in OK
Bank 57.88%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.85%1.26%1.60%Beats 67%29 / 89
Return on Equity11.30%7.40%11.89%14.65%Beats 47%47 / 89
Net Interest Margin4.62%3.46%3.93%4.45%Beats 78%20 / 89
Efficiency Ratio57.88%54.70%60.95%71.14%Beats 58%38 / 89
Asset Quality
Nonperforming Loans / Loans0.34%0.30%0.82%2.25%Beats 70%27 / 88
Net Charge-Offs / Loans0.09%0.00%0.03%0.20%Beats 34%59 / 88
Capital
Tier 1 Capital Ratio12.90%10.89%13.00%16.33%Beats 48%46 / 89
Total Risk-Based Capital Ratio12.90%11.20%13.06%16.33%Beats 45%49 / 89
Equity / Assets12.89%9.26%10.94%13.52%Beats 69%28 / 89
Liquidity & Funding
Loans / Deposits84.01%61.51%72.27%84.01%75th pctl22 / 88
Loans / Assets72.95%52.51%63.15%71.27%78th pctl20 / 89
Brokered Deposits / Depositsn/aNot reported for this institution