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CBL State Savings Bank

Greer, SC · Cert 31900 · Citizens Building&Loan MHC

SI · FDIC · 2 branches

Q2 2026

$191.3MAssets
$117.7MLoans
$125.9MDeposits
$29.1MEquity
Loan mix
99%RE $117.5M0%C&I $0.0M1%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $125.9M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.87%Q2 ’244.72%Q2 ’254.81%Q2 ’26+10%+10%

Non-interest income vs. expense

1.49%Q2 ’242.00%Q2 ’252.03%Q2 ’26+74%+2%

Market Position · Greenville-Anderson-Greer, SC · 2026 SOD (annual) · 0.4% share · #28 of 40 inst. · $0.1B of $26.1B

0.5% Greenville
0.5% Spartanburg

Executive Summary

  • Earnings: ROA of 0.04%, up 15 bps year over year; NIM at 1.98%.
  • Asset quality: problem loans at 0.01% of loans (-4 bps YoY), with net recoveries of 0.10%.
  • Capital: tier 1 leverage ratio of 15.93%, down 54 bps from a year ago.
  • Funding: loans stand at 93.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.04%+15 bps YoY

Net Interest Margin (quarter, annualized)

1.98%+18 bps YoY

Efficiency Ratio (quarter, annualized)

98.27%-803 bps YoY

Tier 1 Leverage Ratio

15.93%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.06%-0.32%0.16%0.04%+15 bps
Return on Equity-0.72%-0.41%-2.06%1.02%0.23%+95 bps
Net Interest Margin1.79%1.78%1.84%1.93%1.98%+18 bps
Efficiency Ratio106.31%102.16%121.01%91.47%98.27%-803 bps
Non-Interest Burden1.91%1.82%2.25%1.76%1.94%+3 bps
Growth
Asset Growth (YoY)-1.50%-0.53%-0.20%2.42%3.48%+498 bps
Loan Growth (YoY)1.45%1.54%5.31%6.11%4.45%+300 bps
Deposit Growth (YoY)2.08%3.27%3.85%3.76%5.74%+366 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.05%0.05%0.01%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.10%-10 bps
Allowance / Loans0.95%0.95%0.93%0.93%0.96%+1 bps
Allowance Coverage of NPLs17.5x18.4x19.1x20.0x66.2x+48.7x
Capital
Tier 1 Leverage Ratio16.47%16.26%16.12%16.02%15.93%-54 bps
Total Risk-Based Capital16.47%16.26%16.12%16.02%15.93%-54 bps
Equity / Assets15.62%15.54%15.47%15.48%15.20%-42 bps
Liquidity & Funding
Loans / Deposits94.68%94.45%95.33%96.08%93.52%-115 bps
Liquid Assets / Assets9.22%8.45%8.52%8.02%9.57%+35 bps
CRE / Total Capitaln/a44.14%56.16%61.81%n/an/a