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Community Savings Bank

Chicago, IL · Cert 28841

SI · FDIC · 2 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

5

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 Bank

Chicago, IL · Cert 28841

SI · FDIC · 2 branches

Q2 2026

$410.2MAssets
$236.6MLoans
$357.0MDeposits
$47.3MEquity
Loan mix
100%RE $233.0M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $351.7M1%Noninterest $5.2MQ2 2025Q2 2026

NIM

3.25%Q2 ’243.42%Q2 ’253.72%Q2 ’26+22%+27%

Non-interest income vs. expense

2.30%Q2 ’242.50%Q2 ’252.56%Q2 ’26+8%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #79 of 147 inst. · $0.4B of $630.7B

Executive Summary

  • Earnings: ROA of -0.22%, up 32 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.20% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.50%, down 61 bps from a year ago.
  • Funding: loans stand at 66.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.22%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.18%+47 bps YoY

Efficiency Ratio (YTD, annualized)

110.48%-2,543 bps YoY

Tier 1 Leverage Ratio

13.50%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.53%-0.48%-0.48%-0.32%-0.22%+32 bps
Return on Equity-4.73%-4.25%-4.24%-2.78%-1.87%+287 bps
Net Interest Margin1.71%1.78%1.83%2.10%2.18%+47 bps
Efficiency Ratio135.90%131.39%128.16%117.20%110.48%-2,543 bps
Non-Interest Burden2.37%2.36%2.37%2.47%2.42%+4 bps
Growth
Asset Growth (YoY)-3.07%-1.75%-0.77%-0.01%0.11%+317 bps
Loan Growth (YoY)1.12%0.22%0.04%1.86%4.32%+320 bps
Deposit Growth (YoY)0.19%0.83%-1.64%-0.33%-1.42%-161 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.11%0.21%0.21%0.20%-10 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans0.94%0.94%1.02%1.02%1.02%+8 bps
Allowance Coverage of NPLs3.2x8.8x4.9x4.8x5.1x+2.0x
Capital
Tier 1 Leverage Ratio14.11%13.68%13.49%13.52%13.50%-61 bps
Total Risk-Based Capital14.11%13.68%13.49%13.52%13.50%-61 bps
Equity / Assets11.45%11.59%11.71%11.63%11.54%+9 bps
Liquidity & Funding
Loans / Deposits62.64%62.32%63.34%64.56%66.29%+365 bps
Liquid Assets / Assets5.81%6.11%3.18%1.84%2.00%-381 bps
CRE / Total Capitaln/a154.77%161.09%166.46%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 Bank

Chicago, IL · Cert 28841 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

SI · FDIC · 2 branches

Q2 2026

$410.2MAssets
$236.6MLoans
$357.0MDeposits
$47.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 59% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: net interest margin trails 96% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 55 of 57).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.22%

Rank 55 of 57

Net Interest Margin

2.18%

Rank 55 of 57

Efficiency Ratio

110.48%

Rank 55 of 57

Equity / Assets

11.54%

Rank 30 of 57

Non-interest income vs. expense

$0.6M$10.7MINCOMEEXPENSE
Unfavorable gap of $10.1M · efficiency ratio beats 5% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 110.48%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.22%0.51%0.84%1.19%Beats 4%55 / 57
Return on Equity-1.88%3.13%7.76%11.40%Beats 9%52 / 57
Net Interest Margin2.18%3.16%3.63%4.08%Beats 4%55 / 57
Efficiency Ratio110.48%59.57%69.70%81.06%Beats 5%55 / 57
Asset Quality
Nonperforming Loans / Loans0.20%0.06%0.34%1.78%Beats 59%24 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 50%29 / 56
Capital
Tier 1 Capital Ratio13.50%12.24%16.06%19.69%Beats 39%35 / 57
Total Risk-Based Capital Ratio13.50%12.54%16.50%20.95%Beats 37%36 / 57
Equity / Assets11.54%9.37%11.56%15.00%Beats 47%30 / 57
Liquidity & Funding
Loans / Deposits66.29%66.29%85.59%95.16%25th pctl43 / 57
Loans / Assets57.69%57.07%71.07%78.13%26th pctl42 / 57
Brokered Deposits / Depositsn/aNot reported for this institution