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Community Bankers' Bank

Midlothian, VA · Cert 26871 · CBB Financial Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

5

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 Bankers' Bank

Midlothian, VA · Cert 26871 · CBB Financial Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$139.4MAssets
$91.5MLoans
$94.9MDeposits
$19.3MEquity
Loan mix
96%RE $76.6M3%C&I $2.3M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
45%Interest-bearing $42.5M55%Noninterest $52.5MQ2 2025Q2 2026

NIM

4.62%Q2 ’244.63%Q2 ’254.58%Q2 ’26+4%+6%

Non-interest income vs. expense

4.07%Q2 ’244.02%Q2 ’254.33%Q2 ’26+5%+2%

Market Position · Richmond, VA · 2026 SOD (annual) · 0.2% share · #21 of 30 inst. · $0.1B of $60.7B

Executive Summary

  • Earnings: ROA of 0.22%, up 9 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 15.43%, up 137 bps from a year ago.
  • Funding: loans stand at 96.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+17 bps YoY

Efficiency Ratio (YTD, annualized)

94.31%-227 bps YoY

Tier 1 Leverage Ratio

15.43%+137 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.15%0.18%0.11%0.22%+9 bps
Return on Equity1.02%1.11%1.32%0.84%1.62%+60 bps
Net Interest Margin2.61%2.69%2.78%2.75%2.78%+17 bps
Efficiency Ratio96.58%96.16%96.07%97.10%94.31%-227 bps
Non-Interest Burden2.47%2.53%2.61%2.62%2.52%+5 bps
Growth
Asset Growth (YoY)-8.46%-21.21%-10.06%9.03%0.60%+906 bps
Loan Growth (YoY)-11.16%-14.13%-14.18%-12.35%-4.99%+617 bps
Deposit Growth (YoY)-9.85%-11.14%-13.78%-12.01%-10.11%-26 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.04%0.10%0.04%+7 bps
Allowance / Loans1.96%2.09%2.06%2.06%2.01%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.06%14.60%15.26%15.57%15.43%+137 bps
Total Risk-Based Capital14.06%14.60%15.26%15.57%15.43%+137 bps
Equity / Assets13.42%14.16%14.89%12.40%13.81%+39 bps
Liquidity & Funding
Loans / Deposits91.15%89.00%94.71%93.92%96.34%+519 bps
Liquid Assets / Assets5.59%6.42%6.66%4.86%4.80%-79 bps
CRE / Total Capitaln/a351%348%339%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 Bankers' Bank

Midlothian, VA · Cert 26871 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CBB Financial Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$139.4MAssets
$91.5MLoans
$94.9MDeposits
$19.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 712 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.22%

Rank 688 of 746

Net Interest Margin

2.78%

Rank 669 of 746

Efficiency Ratio

94.31%

Rank 712 of 746

Equity / Assets

13.81%

Rank 152 of 746

Non-interest income vs. expense

$2.4M$5.8MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state
Bank 94.31%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.72%1.06%1.45%Beats 8%688 / 746
Return on Equity1.61%6.74%10.51%13.63%Beats 7%695 / 746
Net Interest Margin2.78%3.17%3.68%4.16%Beats 10%669 / 746
Efficiency Ratio94.31%55.74%64.58%75.47%Beats 5%712 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 33%497 / 743
Capital
Tier 1 Capital Ratio15.43%11.55%13.75%17.60%Beats 65%261 / 746
Total Risk-Based Capital Ratio15.43%11.71%14.33%18.43%Beats 59%308 / 746
Equity / Assets13.81%8.90%10.51%13.06%Beats 80%152 / 746
Liquidity & Funding
Loans / Deposits96.34%61.31%78.27%90.78%86th pctl105 / 746
Loans / Assets65.60%53.60%66.97%76.08%46th pctl404 / 746
Brokered Deposits / Depositsn/aNot reported for this institution