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Community State Bank

Lamar, CO · Cert 58732 · Community State Bankshares 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

94

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

Lamar, CO · Cert 58732 · Community State Bankshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$208.1MAssets
$172.3MLoans
$177.6MDeposits
$25.8MEquity
Loan mix
66%RE $68.4M27%C&I $28.2M7%Consumer $7.2MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $143.1M19%Noninterest $34.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.54%, down 19 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.90% of loans (-18 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.54%, down 2 bps from a year ago.
  • Funding: loans stand at 97.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.54%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-2 bps YoY

Efficiency Ratio (YTD, annualized)

44.71%+269 bps YoY

Tier 1 Leverage Ratio

12.54%-2 bps YoY

NIM

6.42%Q2 ’246.49%Q2 ’256.40%Q2 ’26-1%0%

Non-interest income vs. expense

1.93%Q2 ’241.86%Q2 ’251.97%Q2 ’26-4%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.71%1.66%1.73%1.72%1.68%1.46%1.54%-19 bps
Return on Equity13.72%13.35%13.55%14.11%13.94%13.41%11.76%12.38%-173 bps
Net Interest Margin4.04%3.93%4.26%4.19%4.13%4.14%4.18%4.17%-2 bps
Efficiency Ratio43.79%44.64%42.52%42.02%41.92%43.32%46.19%44.71%+269 bps
Non-Interest Burden1.64%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 / Loans0.89%0.73%0.89%1.08%1.01%0.90%0.79%0.90%-18 bps
Net Charge-Offs / Loans0.04%0.06%0.37%0.38%0.24%0.24%0.04%0.02%-36 bps
Allowance / Loans2.36%2.29%2.40%2.33%2.46%2.48%2.57%2.61%+28 bps
Allowance Coverage of NPLs2.7x3.1x2.7x2.2x2.4x2.8x3.2x2.9x+0.7x
Capital
Tier 1 Leverage Ratio13.63%13.31%12.53%12.56%12.65%13.00%12.26%12.54%-2 bps
Total Risk-Based Capital16.43%15.87%15.26%15.53%15.98%16.37%15.15%15.42%-11 bps
Equity / Assets13.15%12.64%11.89%12.23%12.56%13.26%11.65%12.38%+15 bps
Liquidity & Funding
Loans / Deposits94.60%94.86%87.40%89.77%89.28%94.26%88.55%97.02%+725 bps
Liquid Assets / Assets2.49%1.53%1.25%1.23%1.08%1.09%1.26%1.29%+6 bps
CRE / Total Capitaln/an/an/an/a90.17%88.43%96.92%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

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

$208.1MAssets
$172.3MLoans
$177.6MDeposits
$25.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets (rank 40 of 629).
  • Widest gap: nonperforming loans / loans trails 67% of banks under $1B in assets (rank 391 of 581).
  • Overall: at or above the peer median on 7 of 9 directional measures.

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

Non-interest income vs. expense

$0.5M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 94% of banks under $1B in assets
Bank 44.71%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.53%0.60%1.01%1.45%Beats 78%141 / 629
Return on Equity12.33%5.38%9.30%13.28%Beats 70%190 / 629
Net Interest Margin4.17%3.03%3.54%4.05%Beats 80%123 / 629
Efficiency Ratio44.71%58.35%67.79%79.08%Beats 94%40 / 629
Asset Quality
Nonperforming Loans / Loans0.90%0.09%0.46%1.20%Beats 33%391 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 36%374 / 581
Capital
Tier 1 Capital Ratio14.16%11.24%13.84%18.77%Beats 53%298 / 629
Total Risk-Based Capital Ratio15.42%11.58%14.43%19.66%Beats 57%270 / 629
Equity / Assets12.38%9.09%10.65%13.80%Beats 67%207 / 629
Liquidity & Funding
Loans / Deposits97.02%67.24%80.90%93.48%81st pctl111 / 594
Loans / Assets82.80%53.31%67.71%78.15%87th pctl79 / 629
Brokered Deposits / Depositsn/aNot reported for this institution