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Letter portraitLegal landscapeQuarterYTD

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 1.10%, up 25 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.44% of loans (+1 bps YoY), with net recoveries of 0.04%.
  • 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 (quarter, annualized)

1.10%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+32 bps YoY

Efficiency Ratio (quarter, annualized)

54.97%-727 bps YoY

Tier 1 Leverage Ratio

9.41%-32 bps YoY

NIM

4.96%Q2 ’245.32%Q2 ’255.60%Q2 ’26+20%+11%

Non-interest income vs. expense

1.78%Q2 ’242.01%Q2 ’251.94%Q2 ’26+17%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.64%0.73%0.85%0.96%1.01%1.07%1.10%+25 bps
Return on Equity7.67%7.40%8.51%9.95%11.11%11.60%12.32%12.74%+280 bps
Net Interest Margin2.40%2.61%2.79%3.02%3.08%3.23%3.28%3.33%+32 bps
Efficiency Ratio65.40%67.03%65.66%62.24%59.50%58.05%56.18%54.97%-727 bps
Non-Interest Burden1.44%1.67%1.76%1.79%1.69%1.79%1.75%1.75%-5 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 / Loans-0.01%-0.01%-0.01%-0.04%0.00%-0.01%-0.01%-0.04%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