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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

$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

6.42%Q2 ’246.35%Q2 ’256.39%Q2 ’26-6%+3%

Non-interest income vs. expense

4.08%Q2 ’243.07%Q2 ’252.93%Q2 ’26-24%-3%

Executive Summary

  • Earnings: ROA of 1.39%, down 1 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.34% of loans (-22 bps YoY), with net charge-offs at 0.29%.
  • 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 (quarter, annualized)

1.39%-1 bps YoY

Net Interest Margin (quarter, annualized)

4.67%+12 bps YoY

Efficiency Ratio (quarter, annualized)

58.32%-353 bps YoY

Tier 1 Leverage Ratio

12.90%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.73%1.35%1.57%1.39%-1 bps
Return on Equity11.51%14.00%10.51%12.32%10.88%-63 bps
Net Interest Margin4.55%4.74%4.82%4.74%4.67%+12 bps
Efficiency Ratio61.85%54.92%57.22%57.44%58.32%-353 bps
Non-Interest Burden2.66%2.41%2.57%2.55%2.57%-9 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-0.11%0.07%1.97%-0.15%0.29%+40 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