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Community State Bank

Hennessey, OK · Cert 27201 · Warrior Bank Corp. Inc.

State charter, non-member · FDIC · 3 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

15

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

Hennessey, OK · Cert 27201 · Warrior Bank Corp. Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$89.7MAssets
$27.7MLoans
$82.8MDeposits
$6.8MEquity
Loan mix
58%RE $13.6M35%C&I $8.2M8%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $55.9M32%Noninterest $26.9MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.00%Q2 ’253.87%Q2 ’26-18%-1%

Non-interest income vs. expense

3.13%Q2 ’243.29%Q2 ’253.37%Q2 ’26+12%+3%

Executive Summary

  • Earnings: ROA of 0.62%, down 6 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 2.85% of loans (+144 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 7.49%, down 30 bps from a year ago.
  • Funding: loans stand at 33.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-3 bps YoY

Efficiency Ratio (YTD, annualized)

81.92%+240 bps YoY

Tier 1 Leverage Ratio

7.49%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.64%0.63%0.57%0.62%-6 bps
Return on Equity8.55%8.03%7.78%7.10%7.87%-67 bps
Net Interest Margin3.19%3.29%3.40%3.26%3.16%-3 bps
Efficiency Ratio79.52%80.75%81.38%83.13%81.92%+240 bps
Non-Interest Burden2.34%2.47%2.59%2.55%2.41%+7 bps
Growth
Asset Growth (YoY)-2.17%-3.00%-1.69%4.30%4.53%+670 bps
Loan Growth (YoY)5.40%5.44%0.00%5.88%-3.55%-895 bps
Deposit Growth (YoY)-0.25%0.69%1.45%4.55%4.75%+500 bps
Asset Quality
Nonperforming Loans / Loans1.41%1.53%2.81%2.77%2.85%+144 bps
Net Charge-Offs / Loans0.01%0.00%-0.01%-0.08%0.05%+4 bps
Allowance / Loans2.02%1.97%2.06%2.04%2.09%+6 bps
Allowance Coverage of NPLs1.4x1.3x0.7x0.7x0.7x-0.7x
Capital
Tier 1 Leverage Ratio7.79%7.99%8.28%7.88%7.49%-30 bps
Total Risk-Based Capital20.96%20.81%21.64%21.08%21.65%+70 bps
Equity / Assets7.75%8.20%8.39%7.66%7.56%-19 bps
Liquidity & Funding
Loans / Deposits36.31%39.65%39.08%35.83%33.43%-288 bps
Liquid Assets / Assets57.97%58.28%58.77%57.44%58.31%+34 bps
CRE / Total Capitaln/a78.44%71.61%70.56%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

Hennessey, OK · Cert 27201 · Peer group: banks under $1B in assets in OK (n=88-89) · Warrior Bank Corp. Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$89.7MAssets
$27.7MLoans
$82.8MDeposits
$6.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets in OK (rank 10 of 89).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets in OK (rank 79 of 89).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.59%

Rank 74 of 89

Net Interest Margin

3.16%

Rank 77 of 89

Efficiency Ratio

81.92%

Rank 77 of 89

Equity / Assets

7.56%

Rank 79 of 89

Non-interest income vs. expense

$0.9M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 15% of banks under $1B in assets in OK
Bank 81.92%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%0.85%1.26%1.60%Beats 17%74 / 89
Return on Equity7.80%7.40%11.89%14.65%Beats 27%65 / 89
Net Interest Margin3.16%3.46%3.93%4.45%Beats 13%77 / 89
Efficiency Ratio81.92%54.70%60.95%71.14%Beats 15%77 / 89
Asset Quality
Nonperforming Loans / Loans2.85%0.30%0.82%2.25%Beats 18%73 / 88
Net Charge-Offs / Loans0.06%0.00%0.03%0.20%Beats 37%56 / 88
Capital
Tier 1 Capital Ratio20.40%10.89%13.00%16.33%Beats 88%11 / 89
Total Risk-Based Capital Ratio21.65%11.20%13.06%16.33%Beats 89%10 / 89
Equity / Assets7.56%9.26%10.94%13.52%Beats 11%79 / 89
Liquidity & Funding
Loans / Deposits33.43%61.51%72.27%84.01%7th pctl82 / 88
Loans / Assets30.86%52.51%63.15%71.27%10th pctl80 / 89
Brokered Deposits / Depositsn/aNot reported for this institution