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Community Bank

Carmichaels, PA · Cert 7848 · CB Financial Services Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

68

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

27

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

Carmichaels, PA · Cert 7848 · CB Financial Services Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BDeposits
$169.7MEquity
Loan mix
85%RE $932.2M12%C&I $128.8M3%Consumer $36.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.1B21%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.91%Q2 ’244.85%Q2 ’254.86%Q2 ’26+3%+7%

Non-interest income vs. expense

2.31%Q2 ’242.45%Q2 ’252.44%Q2 ’26+14%-1%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.3% share · #20 of 48 inst. · $0.6B of $209.3B

39.8% Greene
4.7% Washington
7.9% Ohio
1.2% Westmoreland

Executive Summary

  • Earnings: ROA of 1.06%, up 23 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.29% of loans (+13 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.94%, down 55 bps from a year ago.
  • Funding: loans stand at 85.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+24 bps YoY

Efficiency Ratio (YTD, annualized)

66.42%-502 bps YoY

Tier 1 Leverage Ratio

9.94%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.05%0.36%1.02%1.06%+23 bps
Return on Equity8.32%0.54%3.60%9.76%10.17%+185 bps
Net Interest Margin3.22%3.31%3.33%3.62%3.46%+24 bps
Efficiency Ratio71.44%68.77%67.16%66.70%66.42%-502 bps
Non-Interest Burden2.22%2.19%2.13%2.32%2.21%-1 bps
Growth
Asset Growth (YoY)-2.57%-0.92%4.62%6.86%9.12%+1,169 bps
Loan Growth (YoY)2.97%7.25%6.29%6.35%6.15%+319 bps
Deposit Growth (YoY)-3.32%-1.81%3.89%6.85%5.08%+840 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.19%0.46%0.29%0.29%+13 bps
Net Charge-Offs / Loans0.00%-0.01%0.02%0.01%0.01%+1 bps
Allowance / Loans0.87%0.89%0.87%0.89%0.89%+1 bps
Allowance Coverage of NPLs5.5x4.7x1.9x3.1x3.1x-2.4x
Capital
Tier 1 Leverage Ratio10.49%10.06%10.15%10.34%9.94%-55 bps
Total Risk-Based Capital16.29%15.20%14.89%15.71%15.18%-112 bps
Equity / Assets10.05%10.18%10.52%10.44%10.25%+20 bps
Liquidity & Funding
Loans / Deposits84.24%85.11%86.21%83.72%85.10%+86 bps
Liquid Assets / Assets3.33%2.77%1.19%2.71%3.80%+47 bps
CRE / Total Capitaln/a381%382%375%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

Carmichaels, PA · Cert 7848 · Peer group: banks $1B-$10B in assets (n=322-328) · CB Financial Services Inc.

State charter, non-member · FDIC · 14 branches

Q2 2026

$1.7BAssets
$1.2BLoans
$1.4BDeposits
$169.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks $1B-$10B in assets (rank 99 of 322).
  • Widest gap: efficiency ratio trails 73% of banks $1B-$10B in assets (rank 239 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.02%

Rank 222 of 328

Net Interest Margin

3.46%

Rank 162 of 328

Efficiency Ratio

66.42%

Rank 239 of 328

Equity / Assets

10.25%

Rank 171 of 328

Non-interest income vs. expense

$3.7M$40.6MINCOMEEXPENSE
Unfavorable gap of $36.9M · efficiency ratio beats 27% of banks $1B-$10B in assets
Bank 66.42%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.91%1.22%1.52%Beats 32%222 / 328
Return on Equity9.94%8.43%11.45%14.43%Beats 35%214 / 328
Net Interest Margin3.46%3.03%3.45%3.83%Beats 51%162 / 328
Efficiency Ratio66.42%51.61%59.56%67.53%Beats 27%239 / 328
Asset Quality
Nonperforming Loans / Loans0.29%0.24%0.51%1.03%Beats 70%99 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 65%116 / 322
Capital
Tier 1 Capital Ratio14.22%11.75%13.15%15.47%Beats 64%118 / 328
Total Risk-Based Capital Ratio15.18%12.63%14.15%16.46%Beats 64%119 / 328
Equity / Assets10.25%9.15%10.33%12.01%Beats 48%171 / 328
Liquidity & Funding
Loans / Deposits85.10%76.63%87.92%95.36%43rd pctl185 / 323
Loans / Assets71.22%65.18%74.15%79.98%41st pctl195 / 328
Brokered Deposits / Depositsn/aNot reported for this institution