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Community Savings Bank

Bethel, OH · Cert 32286

State charter, non-member · FDIC · 2 branches

Q2 2026

$119.6MAssets
$92.3MLoans
$95.0MDeposits
$16.0MEquity
Loan mix
75%RE $69.1M8%C&I $7.3M17%Consumer $15.7MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $77.4M18%Noninterest $17.6MQ2 2025Q2 2026

NIM

5.01%Q2 ’245.55%Q2 ’255.57%Q2 ’26+11%+2%

Non-interest income vs. expense

3.25%Q2 ’242.75%Q2 ’252.82%Q2 ’26-16%+4%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #41 of 54 inst. · $0.1B of $187.5B

1.4% Clermont
0.7% Highland

Executive Summary

  • Earnings: ROA of 0.59%, down 5 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.10% of loans (-8 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.76%, down 19 bps from a year ago.
  • Funding: loans stand at 97.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+7 bps YoY

Efficiency Ratio (quarter, annualized)

79.18%+151 bps YoY

Tier 1 Leverage Ratio

14.76%-19 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.38%0.46%0.31%0.59%-5 bps
Return on Equity4.20%2.72%3.23%2.20%4.24%+4 bps
Net Interest Margin3.36%3.36%3.40%3.33%3.43%+7 bps
Efficiency Ratio77.67%83.55%87.20%89.62%79.18%+151 bps
Non-Interest Burden2.57%2.79%2.94%2.97%2.69%+11 bps
Growth
Asset Growth (YoY)20.76%19.80%18.79%20.78%6.71%-1,405 bps
Loan Growth (YoY)23.03%22.86%20.79%18.27%-3.40%-2,643 bps
Deposit Growth (YoY)15.67%14.59%13.45%15.28%12.87%-280 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.11%0.11%0.10%0.10%-8 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%-0.01%0 bps
Allowance / Loans0.40%0.44%0.47%0.47%0.48%+8 bps
Allowance Coverage of NPLs2.2x4.0x4.2x4.6x4.9x+2.7x
Capital
Tier 1 Leverage Ratio14.95%14.13%14.34%14.56%14.76%-19 bps
Total Risk-Based Capital14.95%14.13%14.34%14.56%14.76%-19 bps
Equity / Assets13.83%14.01%14.33%14.29%13.40%-43 bps
Liquidity & Funding
Loans / Deposits113.55%112.88%112.39%110.19%97.18%-1,637 bps
Liquid Assets / Assets4.79%4.83%5.58%6.85%12.93%+814 bps
CRE / Total Capitaln/a152.97%151.12%153.30%n/an/a