Lamar, CO · Cert 58732 · Community State Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
59
Asset Quality
35
Profitability
76
Liquidity
28
Efficiency
94
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.
Lamar, CO · Cert 58732 · Community State Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.71% | 1.66% | 1.73% | 1.72% | 1.68% | 1.46% | 1.54% | -19 bps | |
| Return on Equity | 13.72% | 13.35% | 13.55% | 14.11% | 13.94% | 13.41% | 11.76% | 12.38% | -173 bps | |
| Net Interest Margin | 4.04% | 3.93% | 4.26% | 4.19% | 4.13% | 4.14% | 4.18% | 4.17% | -2 bps | |
| Efficiency Ratio | 43.79% | 44.64% | 42.52% | 42.02% | 41.92% | 43.32% | 46.19% | 44.71% | +269 bps | |
| Non-Interest Burden | 1.64% | 1.64% | 1.73% | 1.63% | 1.60% | 1.67% | 1.81% | 1.74% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.66% | 13.06% | 15.75% | 15.96% | 14.50% | 5.00% | 9.56% | 5.11% | -1,085 bps | |
| Loan Growth (YoY) | 13.15% | 18.49% | 17.36% | 14.45% | 9.83% | 4.94% | 11.30% | 11.05% | -341 bps | |
| Deposit Growth (YoY) | 11.52% | 19.65% | 16.44% | 21.54% | 16.37% | 5.62% | 9.86% | 2.75% | -1,878 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 0.73% | 0.89% | 1.08% | 1.01% | 0.90% | 0.79% | 0.90% | -18 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.37% | 0.38% | 0.24% | 0.24% | 0.04% | 0.02% | -36 bps | |
| Allowance / Loans | 2.36% | 2.29% | 2.40% | 2.33% | 2.46% | 2.48% | 2.57% | 2.61% | +28 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.1x | 2.7x | 2.2x | 2.4x | 2.8x | 3.2x | 2.9x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.63% | 13.31% | 12.53% | 12.56% | 12.65% | 13.00% | 12.26% | 12.54% | -2 bps | |
| Total Risk-Based Capital | 16.43% | 15.87% | 15.26% | 15.53% | 15.98% | 16.37% | 15.15% | 15.42% | -11 bps | |
| Equity / Assets | 13.15% | 12.64% | 11.89% | 12.23% | 12.56% | 13.26% | 11.65% | 12.38% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.60% | 94.86% | 87.40% | 89.77% | 89.28% | 94.26% | 88.55% | 97.02% | +725 bps | |
| Liquid Assets / Assets | 2.49% | 1.53% | 1.25% | 1.23% | 1.08% | 1.09% | 1.26% | 1.29% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 90.17% | 88.43% | 96.92% | n/a | n/a | |
Lamar, CO · Cert 58732 · Peer group: banks under $1B in assets (n=581-629) · Community State Bankshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.53%
Rank 141 of 629
Net Interest Margin
4.17%
Rank 123 of 629
Efficiency Ratio
44.71%
Rank 40 of 629
Equity / Assets
12.38%
Rank 207 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.60% | 1.01% | 1.45% | Beats 78% | 141 / 629 | ||
| Return on Equity | 12.33% | 5.38% | 9.30% | 13.28% | Beats 70% | 190 / 629 | ||
| Net Interest Margin | 4.17% | 3.03% | 3.54% | 4.05% | Beats 80% | 123 / 629 | ||
| Efficiency Ratio | 44.71% | 58.35% | 67.79% | 79.08% | Beats 94% | 40 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.90% | 0.09% | 0.46% | 1.20% | Beats 33% | 391 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 374 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.16% | 11.24% | 13.84% | 18.77% | Beats 53% | 298 / 629 | ||
| Total Risk-Based Capital Ratio | 15.42% | 11.58% | 14.43% | 19.66% | Beats 57% | 270 / 629 | ||
| Equity / Assets | 12.38% | 9.09% | 10.65% | 13.80% | Beats 67% | 207 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.02% | 67.24% | 80.90% | 93.48% | 81st pctl | 111 / 594 | ||
| Loans / Assets | 82.80% | 53.31% | 67.71% | 78.15% | 87th pctl | 79 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||