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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 $1.9MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $55.9M32%Noninterest $26.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%0.95%0.62%0.68%0.64%0.63%0.57%0.62%-6 bps
Return on Equity14.40%12.44%7.75%8.55%8.03%7.78%7.10%7.87%-67 bps
Net Interest Margin3.72%3.60%3.18%3.19%3.29%3.40%3.26%3.16%-3 bps
Efficiency Ratio69.01%72.60%80.90%79.52%80.75%81.38%83.13%81.92%+240 bps
Non-Interest Burden2.24%2.32%2.39%2.34%2.47%2.59%2.55%2.41%+7 bps
Growth
Asset Growth (YoY)-6.90%-7.33%-4.19%-2.17%-3.00%-1.69%4.30%4.53%+670 bps
Loan Growth (YoY)3.50%4.00%2.43%5.40%5.44%0.00%5.88%-3.55%-895 bps
Deposit Growth (YoY)-11.33%-6.09%0.29%-0.25%0.69%1.45%4.55%4.75%+500 bps
Asset Quality
Nonperforming Loans / Loans1.66%1.42%1.45%1.41%1.53%2.81%2.77%2.85%+144 bps
Net Charge-Offs / Loans-0.65%-0.46%0.16%0.01%0.00%-0.01%-0.08%0.05%+4 bps
Allowance / Loans2.11%2.04%2.09%2.02%1.97%2.06%2.04%2.09%+6 bps
Allowance Coverage of NPLs1.3x1.4x1.4x1.4x1.3x0.7x0.7x0.7x-0.7x
Capital
Tier 1 Leverage Ratio7.95%7.87%7.91%7.79%7.99%8.28%7.88%7.49%-30 bps
Total Risk-Based Capital21.69%21.47%21.68%20.96%20.81%21.64%21.08%21.65%+70 bps
Equity / Assets7.99%8.13%7.86%7.75%8.20%8.39%7.66%7.56%-19 bps
Liquidity & Funding
Loans / Deposits37.86%39.64%35.39%36.31%39.65%39.08%35.83%33.43%-288 bps
Liquid Assets / Assets61.20%60.24%60.64%57.97%58.28%58.77%57.44%58.31%+34 bps
CRE / Total Capitaln/an/an/an/a78.44%71.61%70.56%n/an/a