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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

5.92%Q2 ’244.05%Q2 ’253.98%Q2 ’26-33%-1%

Non-interest income vs. expense

3.20%Q2 ’243.31%Q2 ’253.46%Q2 ’26+9%+3%

Executive Summary

  • Earnings: ROA of 0.66%, down 7 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 2.85% of loans (+144 bps YoY), with net charge-offs at 0.19%.
  • 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 (quarter, annualized)

0.66%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.25%-3 bps YoY

Efficiency Ratio (quarter, annualized)

80.80%+260 bps YoY

Tier 1 Leverage Ratio

7.49%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.56%0.58%0.57%0.66%-7 bps
Return on Equity9.35%6.99%6.96%7.10%8.66%-69 bps
Net Interest Margin3.27%3.33%3.40%3.26%3.25%-3 bps
Efficiency Ratio78.21%83.22%83.28%83.13%80.80%+260 bps
Non-Interest Burden2.35%2.62%2.67%2.55%2.42%+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 / Loans-0.14%-0.01%-0.04%-0.08%0.19%+33 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