PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.29%Q2 ’243.46%Q2 ’253.80%Q2 ’26+26%+27%

Non-interest income vs. expense

2.31%Q2 ’242.46%Q2 ’252.53%Q2 ’26+6%+1%

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 -0.11%, up 34 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.20% of loans (-10 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

-0.11%+34 bps YoY

Net Interest Margin (quarter, annualized)

2.26%+48 bps YoY

Efficiency Ratio (quarter, annualized)

104.36%-2,413 bps YoY

Tier 1 Leverage Ratio

13.50%-61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.45%-0.38%-0.49%-0.32%-0.11%+34 bps
Return on Equity-3.95%-3.30%-4.21%-2.78%-0.95%+300 bps
Net Interest Margin1.78%1.90%2.00%2.10%2.26%+48 bps
Efficiency Ratio128.49%123.14%119.52%117.20%104.36%-2,413 bps
Non-Interest Burden2.33%2.36%2.40%2.47%2.36%+3 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%0.04%-0.05%0.00%-0.01%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