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Letter portraitLegal landscapeQuarterYTD

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

7.35%Q2 ’247.54%Q2 ’257.82%Q2 ’26-3%+12%

Non-interest income vs. expense

4.80%Q2 ’244.35%Q2 ’254.07%Q2 ’26-12%+3%

Executive Summary

  • Earnings: ROA of 1.29%, up 53 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 0.88% of loans (+18 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.29%+53 bps YoY

Net Interest Margin (quarter, annualized)

5.24%+55 bps YoY

Efficiency Ratio (quarter, annualized)

69.00%-697 bps YoY

Tier 1 Leverage Ratio

12.43%+134 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%1.51%1.54%1.39%1.29%+53 bps
Return on Equity6.25%12.50%12.95%11.40%10.10%+385 bps
Net Interest Margin4.69%4.93%4.74%5.03%5.24%+55 bps
Efficiency Ratio75.97%65.94%63.68%66.06%69.00%-697 bps
Non-Interest Burden3.28%2.67%2.51%2.94%3.38%+10 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 / Loans0.11%0.00%0.00%0.22%0.03%-8 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