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Community Savings

Caldwell, OH · Cert 27969 · Double Bottomline Corp.

State savings bank · OCC · 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 in OH3

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 OH (n=68 to 71). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

56

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 Savings

Caldwell, OH · Cert 27969 · Double Bottomline Corp.

State savings bank · OCC · 1 branch

Q2 2026

$284.7MAssets
$244.9MLoans
$219.8MDeposits
$37.9MEquity
Loan mix
99%RE $246.3M0%C&I $0.0M1%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $182.1M17%Noninterest $37.7MQ2 2025Q2 2026

NIM

7.03%Q2 ’247.40%Q2 ’257.82%Q2 ’26-9%+14%

Non-interest income vs. expense

5.16%Q2 ’244.09%Q2 ’254.07%Q2 ’26-24%+8%

Executive Summary

  • Earnings: ROA of 1.35%, up 47 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.88% of loans (+18 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 12.43%, up 134 bps from a year ago.
  • Funding: loans stand at 111.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+47 bps YoY

Net Interest Margin (YTD, annualized)

5.17%+65 bps YoY

Efficiency Ratio (YTD, annualized)

67.50%-524 bps YoY

Tier 1 Leverage Ratio

12.43%+134 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.09%1.21%1.39%1.35%+47 bps
Return on Equity7.26%9.04%10.05%11.40%10.74%+348 bps
Net Interest Margin4.51%4.56%4.51%5.03%5.17%+65 bps
Efficiency Ratio72.74%70.19%68.47%66.06%67.50%-524 bps
Non-Interest Burden2.95%2.80%2.67%2.94%3.18%+23 bps
Growth
Asset Growth (YoY)25.86%23.17%10.40%7.78%4.97%-2,089 bps
Loan Growth (YoY)50.01%31.16%13.37%15.12%8.62%-4,139 bps
Deposit Growth (YoY)25.57%31.86%19.83%12.80%-0.27%-2,584 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.63%1.09%0.57%0.88%+18 bps
Net Charge-Offs / Loans0.06%0.03%0.03%0.22%0.13%+7 bps
Allowance / Loans1.21%1.17%1.20%1.21%1.22%+1 bps
Allowance Coverage of NPLs1.7x1.9x1.1x2.1x1.4x-0.3x
Capital
Tier 1 Leverage Ratio11.09%11.09%11.32%11.93%12.43%+134 bps
Total Risk-Based Capital11.09%11.09%11.32%11.93%12.43%+134 bps
Equity / Assets12.47%11.70%12.11%12.31%13.32%+84 bps
Liquidity & Funding
Loans / Deposits102.31%102.52%108.97%101.11%111.43%+912 bps
Liquid Assets / Assets7.70%6.53%4.66%8.60%4.50%-320 bps
CRE / Total Capitaln/a2.30%2.14%2.03%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 Savings

Caldwell, OH · Cert 27969 · Peer group: banks under $1B in assets in OH (n=68-71) · Double Bottomline Corp.

State savings bank · OCC · 1 branch

Q2 2026

$284.7MAssets
$244.9MLoans
$219.8MDeposits
$37.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets in OH (rank 2 of 71).
  • Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets in OH (rank 59 of 68).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.40%

Rank 17 of 71

Net Interest Margin

5.17%

Rank 2 of 71

Efficiency Ratio

67.70%

Rank 32 of 71

Equity / Assets

13.32%

Rank 18 of 71

Non-interest income vs. expense

$2.5M$11.7MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 56% of banks under $1B in assets in OH
Bank 67.70%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.62%1.02%1.39%Beats 76%17 / 71
Return on Equity10.48%5.62%10.07%13.60%Beats 51%35 / 71
Net Interest Margin5.17%2.93%3.56%4.07%Beats 97%2 / 71
Efficiency Ratio67.70%55.94%70.77%78.80%Beats 56%32 / 71
Asset Quality
Nonperforming Loans / Loans0.88%0.08%0.27%0.97%Beats 29%49 / 68
Net Charge-Offs / Loans0.06%n/a0.00%0.05%Beats 15%59 / 68
Capital
Tier 1 Capital Ratio12.43%11.18%13.77%20.34%Beats 31%49 / 71
Total Risk-Based Capital Ratio12.43%12.08%14.34%21.24%Beats 31%49 / 71
Equity / Assets13.32%8.41%10.74%13.32%Beats 75%18 / 71
Liquidity & Funding
Loans / Deposits111.43%64.48%76.81%87.49%97th pctl2 / 68
Loans / Assets86.04%55.33%65.58%72.51%94th pctl4 / 71
Brokered Deposits / Depositsn/aNot reported for this institution