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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 $7.2MQ3 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