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Community State Bank

Bradley, AR · Cert 5619 · Power Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community State Bank

Bradley, AR · Cert 5619 · Power Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$89.8MAssets
$78.8MLoans
$76.3MDeposits
$9.1MEquity
Loan mix
68%RE $52.2M29%C&I $22.0M3%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $64.6M15%Noninterest $11.7MQ2 2025Q2 2026

NIM

6.54%Q2 ’246.64%Q2 ’256.82%Q2 ’26+1%+3%

Non-interest income vs. expense

3.68%Q2 ’243.37%Q2 ’253.05%Q2 ’26-5%-10%

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 0.7% share · #15 of 19 inst. · $0.0B of $3.1B

29.4% Lafayette
2.3% Miller

Executive Summary

  • Earnings: ROA of 0.83%, up 40 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (-29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.98%, down 146 bps from a year ago.
  • Funding: loans stand at 103.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+40 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+13 bps YoY

Efficiency Ratio (YTD, annualized)

69.37%-968 bps YoY

Tier 1 Leverage Ratio

9.98%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.57%0.70%0.64%0.83%+40 bps
Return on Equity3.37%4.59%5.79%5.99%7.91%+454 bps
Net Interest Margin4.00%3.89%3.87%4.10%4.14%+13 bps
Efficiency Ratio79.04%75.61%72.63%74.41%69.37%-968 bps
Non-Interest Burden3.09%2.86%2.72%2.97%2.77%-32 bps
Growth
Asset Growth (YoY)53.93%41.71%33.02%29.43%21.95%-3,198 bps
Loan Growth (YoY)71.58%53.36%42.60%32.93%20.40%-5,118 bps
Deposit Growth (YoY)55.29%48.53%37.78%32.90%18.06%-3,723 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.10%0.00%0.00%0.00%-29 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.85%0.95%0.82%0.84%0.89%+4 bps
Allowance Coverage of NPLs3.0x10.0xn/an/an/an/a
Capital
Tier 1 Leverage Ratio11.44%10.78%10.47%10.20%9.98%-146 bps
Total Risk-Based Capital11.44%10.78%10.47%10.20%9.98%-146 bps
Equity / Assets11.88%11.22%11.09%10.17%10.18%-170 bps
Liquidity & Funding
Loans / Deposits101.29%96.29%100.87%97.06%103.29%+201 bps
Liquid Assets / Assets5.21%8.72%5.08%7.42%6.66%+145 bps
CRE / Total Capitaln/a312%381%417%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community State Bank

Bradley, AR · Cert 5619 · Peer group: banks under $1B in assets (n=581-629) · Power Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$89.8MAssets
$78.8MLoans
$76.3MDeposits
$9.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 565 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.80%

Rank 418 of 629

Net Interest Margin

4.14%

Rank 132 of 629

Efficiency Ratio

69.37%

Rank 339 of 629

Equity / Assets

10.18%

Rank 364 of 629

Non-interest income vs. expense

$0.2M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 46% of banks under $1B in assets
Bank 69.37%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.60%1.01%1.45%Beats 34%418 / 629
Return on Equity7.83%5.38%9.30%13.28%Beats 39%383 / 629
Net Interest Margin4.14%3.03%3.54%4.05%Beats 79%132 / 629
Efficiency Ratio69.37%58.35%67.79%79.08%Beats 46%339 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.98%11.24%13.84%18.77%Beats 11%560 / 629
Total Risk-Based Capital Ratio9.98%11.58%14.43%19.66%Beats 10%565 / 629
Equity / Assets10.18%9.09%10.65%13.80%Beats 42%364 / 629
Liquidity & Funding
Loans / Deposits103.29%67.24%80.90%93.48%90th pctl59 / 594
Loans / Assets87.78%53.31%67.71%78.15%97th pctl21 / 629
Brokered Deposits / Depositsn/aNot reported for this institution