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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 $12.1MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $548.0M15%Noninterest $94.2MQ3 2024Q2 2026

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 0.21%, down 1 bps year over year; NIM at 2.02%.
  • Asset quality: problem loans at 0.24% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (YTD, annualized)

0.21%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.02%+35 bps YoY

Efficiency Ratio (YTD, annualized)

90.40%+216 bps YoY

Tier 1 Leverage Ratio

10.96%+96 bps YoY

NIM

3.65%Q2 ’243.83%Q2 ’254.04%Q2 ’26-4%+21%

Non-interest income vs. expense

2.21%Q2 ’241.99%Q2 ’252.43%Q2 ’26-21%+25%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%10.07%10.16%0.23%0.22%0.20%0.16%0.21%-1 bps
Return on Equity0.46%0.73%1.68%2.47%2.35%2.08%1.55%2.16%-32 bps
Net Interest Margin1.69%1.60%1.74%1.67%1.76%1.89%2.01%2.02%+35 bps
Efficiency Ratio99.83%101.12%91.20%88.24%89.28%91.40%93.42%90.40%+216 bps
Non-Interest Burden1.67%1.61%1.53%1.40%1.50%1.67%1.84%1.75%+35 bps
Growth
Asset Growth (YoY)18.04%13.96%19.45%23.58%2.09%2.25%-0.42%-6.54%-3,012 bps
Loan Growth (YoY)6.53%7.70%7.34%8.02%6.88%7.02%6.83%10.15%+214 bps
Deposit Growth (YoY)12.28%14.97%23.11%28.39%10.08%4.86%1.15%-10.47%-3,886 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.22%0.27%0.22%0.33%0.27%0.20%0.24%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.01%0.01%0.07%0.02%0.01%0 bps
Allowance / Loans0.62%0.60%0.57%0.57%0.56%0.49%0.48%0.46%-11 bps
Allowance Coverage of NPLs2.8x2.8x2.1x2.6x1.7x1.8x2.4x1.9x-0.6x
Capital
Tier 1 Leverage Ratio11.83%10.95%10.93%10.00%10.25%10.99%11.14%10.96%+96 bps
Total Risk-Based Capital22.59%22.21%21.69%21.63%21.17%21.05%20.63%20.10%-153 bps
Equity / Assets9.60%9.37%9.38%8.75%9.84%10.11%10.02%9.75%+100 bps
Liquidity & Funding
Loans / Deposits72.56%72.05%69.69%62.93%70.44%73.53%73.60%77.43%+1,450 bps
Liquid Assets / Assets4.90%4.64%6.89%14.44%5.48%4.15%4.08%3.62%-1,082 bps
CRE / Total Capitaln/an/an/an/a83.53%84.60%84.18%n/an/a