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Cfsbank

Charleroi, PA · Cert 29672 · Charleroi Financial MHC

SI · FDIC · 10 branches

Q2 2026

$773.4MAssets
$497.2MLoans
$642.2MDeposits
$75.4MEquity
Loan mix
94%RE $445.5M4%C&I $18.6M3%Consumer $12.1MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $548.0M15%Noninterest $94.2MQ2 2025Q2 2026

NIM

3.74%Q2 ’244.07%Q2 ’254.12%Q2 ’26+1%+17%

Non-interest income vs. expense

2.37%Q2 ’242.10%Q2 ’252.54%Q2 ’26-24%+21%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.3% share · #19 of 48 inst. · $0.6B of $209.3B

7.4% Washington
0.9% Westmoreland
1.4% Fayette
0.4% Butler

Executive Summary

  • Earnings: ROA of 0.27%, down 2 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.24% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.96%, up 96 bps from a year ago.
  • Funding: loans stand at 77.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.27%-2 bps YoY

Net Interest Margin (quarter, annualized)

2.07%+30 bps YoY

Efficiency Ratio (quarter, annualized)

87.82%+207 bps YoY

Tier 1 Leverage Ratio

10.96%+96 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.20%0.13%0.16%0.27%-2 bps
Return on Equity3.23%2.12%1.29%1.55%2.76%-47 bps
Net Interest Margin1.77%1.88%1.91%2.01%2.07%+30 bps
Efficiency Ratio85.76%91.17%97.73%93.42%87.82%+207 bps
Non-Interest Burden1.41%1.64%1.85%1.84%1.71%+30 bps
Growth
Asset Growth (YoY)23.58%2.09%2.25%-0.42%-6.54%-3,012 bps
Loan Growth (YoY)8.02%6.88%7.02%6.83%10.15%+214 bps
Deposit Growth (YoY)28.39%10.08%4.86%1.15%-10.47%-3,886 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.33%0.27%0.20%0.24%+2 bps
Net Charge-Offs / Loans0.00%0.01%0.23%0.02%0.00%0 bps
Allowance / Loans0.57%0.56%0.49%0.48%0.46%-11 bps
Allowance Coverage of NPLs2.6x1.7x1.8x2.4x1.9x-0.6x
Capital
Tier 1 Leverage Ratio10.00%10.25%10.99%11.14%10.96%+96 bps
Total Risk-Based Capital21.63%21.17%21.05%20.63%20.10%-153 bps
Equity / Assets8.75%9.84%10.11%10.02%9.75%+100 bps
Liquidity & Funding
Loans / Deposits62.93%70.44%73.53%73.60%77.43%+1,450 bps
Liquid Assets / Assets14.44%5.48%4.15%4.08%3.62%-1,082 bps
CRE / Total Capitaln/a83.53%84.60%84.18%n/an/a