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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 $7.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $143.1M19%Noninterest $34.5MQ2 2025Q2 2026

NIM

6.51%Q2 ’246.62%Q2 ’256.49%Q2 ’26+2%-1%

Non-interest income vs. expense

1.91%Q2 ’241.92%Q2 ’251.93%Q2 ’26-4%+7%

Executive Summary

  • Earnings: ROA of 1.59%, down 20 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.90% of loans (-18 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.59%-20 bps YoY

Net Interest Margin (quarter, annualized)

4.24%-5 bps YoY

Efficiency Ratio (quarter, annualized)

43.28%+172 bps YoY

Tier 1 Leverage Ratio

12.54%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.70%1.52%1.46%1.59%-20 bps
Return on Equity14.90%13.74%11.78%11.76%13.26%-164 bps
Net Interest Margin4.30%4.28%4.31%4.18%4.24%-5 bps
Efficiency Ratio41.56%41.75%47.32%46.19%43.28%+172 bps
Non-Interest Burden1.60%1.64%1.92%1.81%1.71%+11 bps
Growth
Asset Growth (YoY)15.96%14.50%5.00%9.56%5.11%-1,085 bps
Loan Growth (YoY)14.45%9.83%4.94%11.30%11.05%-341 bps
Deposit Growth (YoY)21.54%16.37%5.62%9.86%2.75%-1,878 bps
Asset Quality
Nonperforming Loans / Loans1.08%1.01%0.90%0.79%0.90%-18 bps
Net Charge-Offs / Loans0.39%-0.02%0.25%0.04%0.00%-40 bps
Allowance / Loans2.33%2.46%2.48%2.57%2.61%+28 bps
Allowance Coverage of NPLs2.2x2.4x2.8x3.2x2.9x+0.7x
Capital
Tier 1 Leverage Ratio12.56%12.65%13.00%12.26%12.54%-2 bps
Total Risk-Based Capital15.53%15.98%16.37%15.15%15.42%-11 bps
Equity / Assets12.23%12.56%13.26%11.65%12.38%+15 bps
Liquidity & Funding
Loans / Deposits89.77%89.28%94.26%88.55%97.02%+725 bps
Liquid Assets / Assets1.23%1.08%1.09%1.26%1.29%+6 bps
CRE / Total Capitaln/a90.17%88.43%96.92%n/an/a