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Letter portraitLegal landscapeQuarterYTD

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 $15.7MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $77.4M18%Noninterest $17.6MQ3 2024Q2 2026

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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.64%0.00%0.19%0.64%0.38%0.46%0.31%0.59%-5 bps
Return on Equity-9.88%0.03%1.15%4.20%2.72%3.23%2.20%4.24%+4 bps
Net Interest Margin3.02%2.91%3.14%3.36%3.36%3.40%3.33%3.43%+7 bps
Efficiency Ratio166.31%141.93%94.09%77.67%83.55%87.20%89.62%79.18%+151 bps
Non-Interest Burden5.15%4.20%2.94%2.57%2.79%2.94%2.97%2.69%+11 bps
Growth
Asset Growth (YoY)6.68%5.04%1.58%20.76%19.80%18.79%20.78%6.71%-1,405 bps
Loan Growth (YoY)3.84%2.98%3.79%23.03%22.86%20.79%18.27%-3.40%-2,643 bps
Deposit Growth (YoY)6.65%4.66%2.68%15.67%14.59%13.45%15.28%12.87%-280 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.53%0.23%0.18%0.11%0.11%0.10%0.10%-8 bps
Net Charge-Offs / Loans-0.01%-0.05%-0.02%-0.01%-0.01%-0.01%0.00%-0.01%0 bps
Allowance / Loans0.45%0.47%0.47%0.40%0.44%0.47%0.47%0.48%+8 bps
Allowance Coverage of NPLs1.8x0.9x2.0x2.2x4.0x4.2x4.6x4.9x+2.7x
Capital
Tier 1 Leverage Ratio16.70%16.49%16.83%14.95%14.13%14.34%14.56%14.76%-19 bps
Total Risk-Based Capital16.70%16.49%16.83%14.95%14.13%14.34%14.56%14.76%-19 bps
Equity / Assets16.43%16.45%16.68%13.83%14.01%14.33%14.29%13.40%-43 bps
Liquidity & Funding
Loans / Deposits105.29%105.56%107.41%113.55%112.88%112.39%110.19%97.18%-1,637 bps
Liquid Assets / Assets5.45%5.39%3.62%4.79%4.83%5.58%6.85%12.93%+814 bps
CRE / Total Capitaln/an/an/an/a152.97%151.12%153.30%n/an/a