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Community State Bank

Brook, IN · Cert 8067

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 assets in the Chicago-Naperville-Elgin, IL-IN area3

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 in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

49

Q2 2024Q2 2026peer median

Efficiency

81

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

Brook, IN · Cert 8067

State charter, non-member · FDIC · 2 branches

Q2 2026

$161.2MAssets
$132.8MLoans
$135.1MDeposits
$13.9MEquity
Loan mix
92%RE $110.9M7%C&I $8.5M1%Consumer $1.2MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $117.3M13%Noninterest $17.7MQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #115 of 147 inst. · $0.1B of $630.7B

23.2% Newton
0.4% Tippecanoe

Executive Summary

  • Earnings: ROA of 1.08%, up 29 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.44% of loans (+1 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.41%, down 32 bps from a year ago.
  • Funding: loans stand at 98.29% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+35 bps YoY

Efficiency Ratio (YTD, annualized)

55.56%-833 bps YoY

Tier 1 Leverage Ratio

9.41%-32 bps YoY

NIM

4.87%Q2 ’245.27%Q2 ’255.50%Q2 ’26+12%+12%

Non-interest income vs. expense

1.81%Q2 ’242.01%Q2 ’251.93%Q2 ’26+13%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.70%0.73%0.79%0.85%0.89%1.07%1.08%+29 bps
Return on Equity8.29%8.09%8.51%9.24%9.87%10.34%12.32%12.53%+329 bps
Net Interest Margin2.49%2.49%2.79%2.92%2.92%2.91%3.28%3.27%+35 bps
Efficiency Ratio64.23%64.96%65.66%63.90%62.31%61.15%56.18%55.56%-833 bps
Non-Interest Burden1.50%1.52%1.76%1.79%1.72%1.69%1.75%1.73%-6 bps
Growth
Asset Growth (YoY)13.26%10.25%7.71%7.01%6.17%8.74%9.20%11.18%+417 bps
Loan Growth (YoY)16.15%8.99%4.87%4.51%6.31%14.35%14.92%15.20%+1,069 bps
Deposit Growth (YoY)16.25%11.41%9.31%11.37%8.29%9.39%7.08%9.38%-199 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.36%0.39%0.43%0.37%0.48%0.47%0.44%+1 bps
Net Charge-Offs / Loans0.01%0.01%-0.01%-0.03%-0.02%-0.02%-0.01%-0.03%0 bps
Allowance / Loans0.89%0.95%0.99%1.00%0.97%0.96%0.99%1.01%+1 bps
Allowance Coverage of NPLs2.5x2.7x2.5x2.3x2.6x2.0x2.1x2.3x0.0x
Capital
Tier 1 Leverage Ratio9.69%9.28%9.24%9.73%9.57%9.18%9.32%9.41%-32 bps
Total Risk-Based Capital9.69%9.28%9.24%9.73%9.57%9.18%9.32%9.41%-32 bps
Equity / Assets8.66%8.52%8.56%8.59%8.76%8.64%8.68%8.64%+4 bps
Liquidity & Funding
Loans / Deposits99.01%97.02%92.95%93.32%97.21%101.42%99.75%98.29%+497 bps
Liquid Assets / Assets0.15%0.62%0.13%0.11%0.16%0.11%0.29%0.09%-2 bps
CRE / Total Capitaln/an/an/an/a165.21%166.40%158.24%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

Brook, IN · Cert 8067 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

State charter, non-member · FDIC · 2 branches

Q2 2026

$161.2MAssets
$132.8MLoans
$135.1MDeposits
$13.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 12 of 57).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 57 of 57).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.05%

Rank 26 of 57

Net Interest Margin

3.27%

Rank 38 of 57

Efficiency Ratio

55.56%

Rank 12 of 57

Equity / Assets

8.64%

Rank 49 of 57

Non-interest income vs. expense

$0.3M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 81% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 55.56%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.51%0.84%1.19%Beats 54%26 / 57
Return on Equity12.13%3.13%7.76%11.40%Beats 79%12 / 57
Net Interest Margin3.27%3.16%3.63%4.08%Beats 33%38 / 57
Efficiency Ratio55.56%59.57%69.70%81.06%Beats 81%12 / 57
Asset Quality
Nonperforming Loans / Loans0.44%0.06%0.34%1.78%Beats 46%31 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 43%33 / 56
Capital
Tier 1 Capital Ratio9.41%12.24%16.06%19.69%Beats 0%57 / 57
Total Risk-Based Capital Ratio9.41%12.54%16.50%20.95%Beats 0%57 / 57
Equity / Assets8.64%9.37%11.56%15.00%Beats 14%49 / 57
Liquidity & Funding
Loans / Deposits98.29%66.29%85.59%95.16%84th pctl9 / 57
Loans / Assets82.36%57.07%71.07%78.13%86th pctl8 / 57
Brokered Deposits / Depositsn/aNot reported for this institution