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Community Bank of Santa Maria

Santa Maria, CA · Cert 57073 · Community Bcorp of Santa Maria

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 assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

85

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

40

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 Bank of Santa Maria

Santa Maria, CA · Cert 57073 · Community Bcorp of Santa Maria

State charter, non-member · FDIC · 2 branches

Q2 2026

$396.5MAssets
$295.4MLoans
$350.4MDeposits
$38.5MEquity
Loan mix
89%RE $247.1M11%C&I $29.7M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $210.1M40%Noninterest $140.2MQ2 2025Q2 2026

NIM

4.19%Q2 ’244.47%Q2 ’254.94%Q2 ’26+5%+14%

Non-interest income vs. expense

2.72%Q2 ’242.72%Q2 ’253.11%Q2 ’26-6%+23%

Market Position · Santa Maria-Santa Barbara, CA · 2026 SOD (annual) · 2.5% share · #9 of 20 inst. · $0.4B of $14.1B

Executive Summary

  • Earnings: ROA of 1.07%, up 9 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.15% of loans (+15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.49%, down 7 bps from a year ago.
  • Funding: loans stand at 84.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+53 bps YoY

Efficiency Ratio (YTD, annualized)

68.81%+294 bps YoY

Tier 1 Leverage Ratio

10.49%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.02%1.04%1.01%1.07%+9 bps
Return on Equity10.62%10.96%11.07%10.65%11.14%+53 bps
Net Interest Margin3.70%3.75%3.82%4.15%4.23%+53 bps
Efficiency Ratio65.87%65.56%65.77%67.75%68.81%+294 bps
Non-Interest Burden2.29%2.33%2.39%2.72%2.82%+53 bps
Growth
Asset Growth (YoY)3.02%3.39%5.73%0.80%-5.06%-808 bps
Loan Growth (YoY)10.01%13.07%12.66%13.18%3.43%-658 bps
Deposit Growth (YoY)2.55%2.46%4.94%-1.11%-4.54%-708 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.13%0.15%+15 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.00%1.00%1.00%1.01%+1 bps
Allowance Coverage of NPLs285.4x578.6xn/a7.5x6.6x-278.8x
Capital
Tier 1 Leverage Ratio10.56%10.45%10.68%10.11%10.49%-7 bps
Total Risk-Based Capital15.16%15.26%15.56%14.30%10.49%-467 bps
Equity / Assets9.07%9.64%9.73%9.31%9.72%+65 bps
Liquidity & Funding
Loans / Deposits77.83%78.39%74.93%83.19%84.32%+650 bps
Liquid Assets / Assets0.61%0.71%6.03%0.88%0.92%+31 bps
CRE / Total Capitaln/a450%445%494%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 Bank of Santa Maria

Santa Maria, CA · Cert 57073 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Bcorp of Santa Maria

State charter, non-member · FDIC · 2 branches

Q2 2026

$396.5MAssets
$295.4MLoans
$350.4MDeposits
$38.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 655 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.11%

Rank 349 of 746

Net Interest Margin

4.23%

Rank 166 of 746

Efficiency Ratio

68.81%

Rank 446 of 746

Equity / Assets

9.72%

Rank 466 of 746

Non-interest income vs. expense

$1.2M$12.6MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state
Bank 68.81%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.72%1.06%1.45%Beats 53%349 / 746
Return on Equity11.37%6.74%10.51%13.63%Beats 58%311 / 746
Net Interest Margin4.23%3.17%3.68%4.16%Beats 78%166 / 746
Efficiency Ratio68.81%55.74%64.58%75.47%Beats 40%446 / 746
Asset Quality
Nonperforming Loans / Loans0.15%0.09%0.42%1.07%Beats 70%224 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.49%11.55%13.75%17.60%Beats 14%645 / 746
Total Risk-Based Capital Ratio10.49%11.71%14.33%18.43%Beats 12%655 / 746
Equity / Assets9.72%8.90%10.51%13.06%Beats 38%466 / 746
Liquidity & Funding
Loans / Deposits84.32%61.31%78.27%90.78%64th pctl271 / 746
Loans / Assets74.51%53.60%66.97%76.08%70th pctl226 / 746
Brokered Deposits / Depositsn/aNot reported for this institution